Fintech companies, like most technology startups, love picking a “villain” or an industry that they will “disrupt”. Usually, those are the banks, but sometimes, Fintech companies aim to disrupt the card schemes, such as VISA and Mastercard (think of Affirm, Afterpay, and other BNPL players). The card schemes would be portrayed as outdated and greedy legacies of the past. | Popular Fintech