[Scubabear68]

One of the critical observations here for me is: whatever your primary product / value proposition is, make sure to build that out internally yourself, and not buy it from a 3rd party. According to the author, Braid repeatedly bought third party fintech products as core pieces of their platform rather than building it. This simply makes you a hostage to those companies.

I also echo some other top comments here - payments and banking is very highly regulated, and for good reason. The base concept seems extremely ripe for fraud.