Are next-gen payment systems really new disruptive technologies?

We often assume that when we see new companies form, or do something revolutionary, or "disruptive", that the ideation behind it is unique. The fact is though, most improvements we see in most spaces in our lives are an adaptation or evolution of something we have already seen in other industries. As a quick thought on this topic, take a look at the telecom industry. When it started, the process was a manual and highly arduous process to connect a caller to the recipient. You rung an operator switchboard, told them the district number or area you wanted to connect to. They then connected you to that local operator; you then told them the number or person in the area that you wanted to get a

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