Payment Access

Before diving into modern systems, it is helpful to understand where our habits originated.

Historically, moving money between banks took days (ACH transfers). New rails like in the U.S. and UPI in India allow for "instant settlement," where funds move from one account to another in milliseconds, 24/7. The Future: Biometrics and Blockchain Where is payment going? The goal is zero friction . payment

: Compromising valid consumer profiles via credential stuffing or malware. Contemporary Countermeasures Before diving into modern systems, it is helpful