Agree, but these were typically limited to "peripheral" transactions, where it made more sense for someone external to invest in infrastructure because each cus

Agree, but these were typically limited to "peripheral" transactions, where it made more sense for someone external to invest in infrastructure because each customer uses it rarely. Main difference that IT provides is that it is now more practical to outsource core, everyday transactions that your life/business depend on, because somebody else can do the matchmaking and bookkeeping.