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
1994 Stir EMV, drive WWW payments, cryptography, MFA
1996 Convergence of leather and technology
2003 EMV in Canada
2008 Lehman went bankrupt
2015 US EMV Liability Shift
2018 WebauthN Web payments Web of things