Like China and India with card networks, perhaps the U.S. will “leapfrog” the centralized mobile payment revolution and have a head start in the coming decentralized future.
无论是在旧有机制上改造出新界面(Stripe),还是试图建立新的系统(蚂蚁金服、PayTM 和 DeFI),从直觉和现状进行一系列推理往往难以引致最佳结果。现有的金融体系一定存在大量的改进空间,但或许修修补补的工作并不能达到目的。