An API should be easy to use, intuitive. The improvements in API v2 ultimately benefit merchants, because we applied changes to our data model allowing a more intuitive consumption of transactions. Internal enhancements in response time, maintainability, deployment, and releasing procedures indirectly benefit the end user.
During the past decade, fintech has revolutionized the payments industry, and incumbent merchant acquirers have been struggling to compete. Why have Silicon Valley innovators been so successful in challenging powerful incumbents with decades of experience in financial services?