Today, if you embed payments into software, it is sort of a mess. Now imagine something more like electricity. On one side of the plug, you have the software creators (the lamp makers) unleashed to create clever, specialized and truly innovative user experiences. On the other, you have financial services (the electricity), with scale and reliability that is easily plugged into.

The problem is it doesn’t work that way. Yet.

In Stranger Things, the series of Netflix, there is another world exactly like this one that is filled with spooky things. It kind of reminds me of payments.

Revenue seekers and ambitious fintech entrepreneurs worry if you say payments risk 3 times, a compliance officer will appear. The business opportunity will then face unintended consequences.

What do we do today in our payments industry that will seem unbelievable in the future.