Der Unternehmer und Risikokapitalgeber Chris Dixon schreibt über das Finanzsystem aus Sicht der Internetwirtschaft und wie die Finanzbranche die Entwicklung der Internetwirtschaft zurückhält:
The payment industry is a $500 billion industry (or larger, depending on how you measure it). That means banks and payment companies charge $500B per year in fees to provide a service that mostly involves moving bits around the Internet. There are other services they provide like credit, security, and dispute resolution, but in any reasonable analysis these services should cost dramatically less than they currently do. The payment industry should be at least an order of magnitude smaller than it is today.
Another thing that informed my view was seeing what a huge headache payments were for startups I was involved with.