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Can't read the white text inside the pink boxes. Can you repost the image with, maybe, black text that'd make it easier to read? Thanks in advance. 

Uh oh!

It's a well known fact that Merchants treat every additional Method of Payment as a source of sales uplift and therefore do not shape the success or failure of any MOP. It's consumers who do that.

It's my enduring belief that A2A MOPs have failed to go mainstream in markets where credit card has been well entrenched because they have uniformly failed to answer the basic question of "What's in it for us?" for Payers / Consumers.

I don't recall the last time anyone else bringing this up as the key challenge for mainstream adoption of A2A MOPs. Kudos for a balanced post. 

Oops I meant to post the above comment below another post. Sorry about that. 

@Finextra: Please delete my comment if possible.

Awesome post! 

I've known for a long time that Acquirer Risk is a big deal and limits the number of Merchants to whom Acquirer Banks issue Merchant Accounts, ergo the sweetspot leveraged by PayPal and Square / Block for online and instore credit card payments.

But, until I read your post, I've never really understood why.

Awesome post! 

I've known for a long time that Acquirer Risk is a big deal and limits the number of Merchants to whom Acquirer Banks issue Merchant Accounts, ergo the sweetspot leveraged by PayPal and Square / Block for online and instore credit card payments.

But, until I read your post, I've never really understood why.

With 13M customers and $100B deposits, Marcus is one of the most successful neobanks ever. However, being a division of a bank, it needs to operate according to the traditional PLBS business model, and therefore cannot make losses for too long. This is unlike fintechs, which are VC backed, and are under no pressure to make profits in the short, medium or (lately) even long term.

Exhibit A for BNPL Ain't Killing Banks. It's Making Them Rich. 

LOL ICYMI it's a clickable link to a page on the website of NCR the company that provides a list of countries where A2A RTP is operational.

@ArshadNoor: Yep. NCR.

LOL if only these protestors had used Reddit WSB, their call to Ban PayPal might have fared better!