Its a huge barrier industry (a huge industry though) that is kept on its needs by NDA's, non-competes and just people not wanting to work. Fiserv, Jack Henry, N

Its a huge barrier industry (a huge industry though) that is kept on its needs by NDA's, non-competes and just people not wanting to work. Fiserv, Jack Henry, NCR all keep their customers where they want them, in their pocket, by not providing their data and services to third parties, and not playing nicely with competition. I've worked in this industry for years, and it is very very hard to get anything done when they view you as a threat. If that wasn't enough, PCI-DSS and other challenges in the form of regulation and governance adds another wrench in the gears of innovation when it comes to this industry. I REALLY wish you the best, I know the industry needs more startups and more innovation. I also hope you can get past the regulation and other companies to get the job done, its really needed. BTW If you ever get around to it: ATM Drivers (Transaction Processors) and Core banking systems also need disrupted, they are both completely garbage and only like 50 years old (most of them run on mainframes that are older than pretty much everyone on this site). Socket interfaces, ISO 8583 (Its a proprietary format used by Transaction Processors) and SOAP interfaces that are extremely poorly implemented plague those systems, as well as other extremely terrible problems that come along with terrible design decisions. Enough ranting for today though, You are working on interesting problems, that need to be fixed, so godspeed!