@serendipity4u
In the real world, retail, e-commerce, payments, logistics, and consumer credit are often described as five parallel highways. While they occasionally intersect, they often operate at high speed on their own separate tracks. Walmart and Amazon compete for user access at the front end, Visa and Mastercard control global clearing, UPS, SF Express, and FedEx compete on timeliness and cost in fulfillment, and credit services like Klarna and Affirm collect bills only after purchases are made.
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