The grand picture here is what many fail to see. The Starbucks proven payments model staging "unearned income" is what will continue to transpire as the payments world continues the devest control from the larger entities which will have no choice but to interface and interact with the changing tide. For those in the know we are seeing an explosion in demand of companies wanting to own and control the payments process as with so many middlemen in the fray everyone is being "fee'd to death". The card brands are becoming more and more like toll road operators which dictate who can use the roads all the while cutting off their own noses and therefore pushing adoption to the very thing that will challenge their superiority, the OnlyFans Mastercard impact on crypto for example. Exciting times in FinTech for sure as this window in time resonates with me just as the build up to the dotcom bubble was a blast too!