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The article is a very interesting one, but when one looks at from a broader perspective, what you'll see is a framework, or rather a silhouette of a civilization native to the internet being built, of which online payments will be a important part of. Eventually, all the different part of our lives will be digitalized while we will become citizens of the internet.

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Interesting evolution; communication, then payments. It's also safe to say that every Fintech will eventually become a bank when their stock increases.

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