> The barrier is in getting your card accepted by zillions of retailers and online merchants. Having built that network is what entrenches Visa and MC. Open Ba

> The barrier is in getting your card accepted by zillions of retailers and online merchants. Having built that network is what entrenches Visa and MC. Open Banking is interesting in that regard, in that it allows for account to account transactions. Worldpay have apparently built some tech to support it https://www.finextra.com/newsarticle/36039/worldpay-rolls-out-open-banking-hub-for-account-to-account-payments https://www.finextra.com/newsarticle/36039/worldpay-rolls-ou...