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Subhajit Das

Visiting Research Fellow at the Christensen Institute from TCS

Will FinTech startups really be able to disrupt online payments?

Analyzing the US payments segment through the lens of the theory of disruptive innovation reveals that disruption by entrants is currently unlikely. Incumbents’ use of the same technology innovations to upgrade their offerings and entrants’ dependence on the existing value network makes disruption difficult. But disruption from technology giants like Apple and Google is a possibility.

Know more about the extent of disruption in online payments in the US and what banks must do in response.