Banks sell one thing--debt. Many have tried to "disrupt" that industry, but all attempts boil down to: getting a cut of payment fees or getting paid to resell d

Banks sell one thing--debt. Many have tried to "disrupt" that industry, but all attempts boil down to: getting a cut of payment fees or getting paid to resell debt. All "innovation" in this sector is done by crossing fingers and hoping the regulators don't notice you trying to use language to pretend you are a bank when you are not.