Signs that this breakthrough is becoming more likely:

Amazon hiring nearly 5,000 bankers as it explores credit card and checking account partnerships with several US banks
Goldman Sachs collaborating with Apple in the credit card business.
Facebook announcing the launch of a cryptocurrency in partnerships with a number of big banks and other organizations.
Big tech companies in China are already dominant in payments and leaders in product categories such as consumer lending, SME loans, and money market funds.

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