Payments Startups Take The Data, Design And Development Route To Reengineer The Credit-Card Business

Editor?s note:?Steve Patterson is a writer who has covered Boston and San Francisco Bay Area startups for 20 years. Braintree Payments, Square and fellow disruptors are applying web and mobile technologies to overhaul the economic model of the payment industry. In the next chapter of the Internet?s disintermediation of large markets, payments are shifting to be efficient and pervasive over-the-top mobile services.

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