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A few upstarts most notably Bitcoin, a troubled virtual currency—are seeking to bypass the existing payments infrastructure altogether.
Conventional lenders will charge more for the services that the newcomers cannot easily replicate, including the payments infrastructure and the provision of an insured current account.
The app offers a payments infrastructure, a location-based services platform, and even the ability to build whole apps inside WeChat itself – none of which Uber can use without being on the platform.
Payments infrastructure means little without accessible experiences.
India's payments infrastructure is on fire.
The online payments infrastructure, like many parts of the financial sector, is underdeveloped.
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If anyone can create a mobile-payments infrastructure overnight, spawning copycat moves from others and opening up an entirely new market, it is Apple.
Those may include technical or payment infrastructure start-ups, like those that allow micropayments.
That has led to a single payment infrastructure that is owned and run jointly by the big retail banks.
Mr. DeVitto said new options included the construction of contactless payment infrastructure on existing turnstiles and the development of a smartphone payment system.
The reasons — lack of online payment infrastructure, high cost of broadband, better offline shopping options — vary depending on where you are in the Middle East.
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