Keep seeing people talk about payments as B2B vs. B2C. Don't think that matters - it's the "B2..." that matters. B2anyone vs. C2anyone is the better framing.
I don’t think that has much impact on how payment systems should be build though. Businesses and consumers don’t get different water pipes or electricity either.
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Water pipes and electricity aren’t a free market purchase, no selling needed. SaaS products on the otherhand do have free market pressures (ie metric driven buying). Consumer product also have free market pressures (ie emotional buying)
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My take is that core payments systems also shouldn’t be a free market choice (because ultimately it’s the central bank that provides the guarantees), though services on top of course are free to differentiate
End of conversation
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