Legacy the American disease

When we look at what this market have done my own journey parrallels.

The adoption of something new it is a human process influenced by culture.

1976 first programming job and exposure to OCR and timeshare

1978 cash management, electronic money transfer, ACH & Wire

1982 Digital, video and voice integration.

What happened to Marginal Satisfaction?

1986 fiber across the Atlantic

The wall

1994 Stir EMV, drive WWW payments, cryptography, MFA

1996 Convergence of leather and technology

2001

2003 EMV in Canada

2008 Lehman went bankrupt

2015 US EMV Liability Shift

2018 WebauthN Web payments Web of things

Now we think next. What next?

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