Another major player (Visa) wants a share of the fastest growing market globally these are actually really good developments if implemented properly it will support - business development & growth - consumer access to proper financing rails both close the gap between user expectation & user experience less points of friction for the avg user & business is highly beneficial for industry growth on the business side this also creates good opportunities & decent competition the competition is good as it should bring down fees & other transactional barriers(Skew Δ)