The next step in the payments revolution

The next development in payments technology is likely to take a bottom-up rather than top-down approach and the incumbents could end up on the losing side of the equation.

Innovation in payments has historically been slow, with incumbent players often investing heavily in new services and then launching products to the mass market over the course of several years. Central to this has been a top-down approach: development occurs at the top before the product is launched in the market.

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