The payments landscape is under great flux for those of us that live it and know extremely well first hand. As a serial entrepayneur having been in this "game" for many decades more and more business' are coming to realize they need to own and control the process from customer to bank in order to offer better support in this now nearly complete digital online world. The middlemen are jockeying for position through value added service functions and customer lock in through such technologies as tokenization while the card brands and competing FinTechs continue to buy up all up and coming payments companies globally. If you want control you need to own it yet very few seem to understand this thinking as most believe payments is more than just ones and zeros which it is not.