Integration and standardization are becoming much less of an issue because…?

API
2018 Outlook: US Payments, by Aaron McPherson

Integration and standardization are two of the major historical hurdles to innovative technologies, but the development of new technologies is driving change by limiting these two key influences on the market. Mercator Advisory Group sees today’s ecosystem as an inflection point where multiple trends are aligning to have a major impact on the industry – namely: open APIs, mobile, machine learning (fraud), and faster payments.

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