The Disappearance of Payments

Payments are disappearing, argues David True, Partner at PayGility Advisors. They have become so technologically easy to process, by so many parties, that the real competition now is in the add-on services that many payments companies provide, like accounting software or analytics. True explains the history of how payments became commoditized and offers predictions for what to watch for as the major players in the industry—like Visa, MasterCard, and AmEx—adapt to this changing landscape.

About David True

David True is a Partner at PayGility Advisors, which helps firms navigate the changing world of payments. He is also President of NYPAY, a forum for payments leaders and fintech innovators to meet, learn, and network. True has worked in strategy, marketing, new products, operations, and finance at companies including American Express and MasterCard.


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