Between Google, Amazon, Facebook, & Apple (GAFA)...APPL & AMZN seem best suited (by far) to go upstream & own consumer banking.
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Replying to @mdudas @alexadelman and
USA: Big non-banks can only get into banking as deep as bank-controlled regulators & politicians let them. See WMT bank attempts.
1 reply 2 retweets 10 likes -
Replying to @__JasonMarshall @mdudas and
Yes; of interest will be how far into bank-like svcs big cos can go w/o running into regulation. But that may look v diff than banking today
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Replying to @peter @__JasonMarshall and
Gentalmen, Amazon has the best data on the planet to not only be in merchant payments but to underwrite loans. Watch this space.
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Replying to @BrianRoemmele @peter and
Agree... but knowing the GPS/EPS groups for 10 yrs AMZN tends to view payments as a supporting service to Commerce not stand alone.
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Replying to @noyesclt @BrianRoemmele and
In Paris this week
@prgauthier presented "commerce identity" not "payment identity". Once you know who people are, payments are easy1 reply 1 retweet 7 likes
David, I know the guy that wrote the book on the subject and he is not only brilliant he is also clairvoyant! Identity Is The New Money 
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