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The Illusion of Payment Disruption

There has been growing discussion over the past few years on the new transaction rails, and how the Internet has disrupted payments just like other industries. Unfortunately or fortunately, the payments industry is not that easy to disrupt. Every serious attempt that has managed to garner some scale has ended up either enabling the legacy infrastructure or leveraging the existing infrastructure, merely becoming another delivery channel for the last mile.

The challenge legacy networks have is ...

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