"Most fintechs these days are not fundamentally disrupting the market but are instead merely slotting themselves into the existing rails of Visa and Mastercard. They give us nice user interfaces and fancy metal debit cards but the high merchant fees, excessive bureaucracy and outdated infrastructure remains."

https://www.finextra.com/newsarticle/42456/open-banking-payments-startup-atoa-raises-65m/payments