The payments landscape have been transformed by fintech technology that includes card network, merchant acquirers, POS players, digital payment platforms, and person-to-person companies but haven't yet experienced major changes in bill payment and money transfers.

Question

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The statement is opposite to the reality. The payments landscape has experienced major changes in bill payment and money transfers through the introduction of fintech technology, such as mobile payment apps and blockchain-based transfers.

The Payments Landscape Have Been Transformed by Fintech Technology That