> The function of everything from Visa/Mastercard, Fedwire, SWIFT, Paypal, Western Union, etc, all rebase onto one global network with countless businesses comp

> The function of everything from Visa/Mastercard, Fedwire, SWIFT, Paypal, Western Union, etc, all rebase onto one global network with countless businesses competing on top of it to provide the most appealing user experience. Even if they do rebase on top of one global network, what incentive do these companies have to change their product offerings or their fees? Consumers will not care what Visa/Mastercard or Western Union use on the backend, could be carrier pigeons as far as most people are concerned. What would cause fintech to become more competitive? I'd love to see every transaction fee, loan rate, etc. go to zero. But would "one global network" lead to that?