Don't forget the massive bureaucracy at traditional banks. I worked at a small company that was building a payments platform for a large US bank. The amount o

Don't forget the massive bureaucracy at traditional banks. I worked at a small company that was building a payments platform for a large US bank. The amount of turf-protecting between the different payment types within the bank was mind-boggling. Everything was highly compartmentalized and it could take weeks to get a config setting changed on a test server. It was an interesting experience for me watching from the outside.