Mastercard and others can "outsource" BNPL to Texas Fusioneers. This would free-up the banked & non-banked data storage biz. Since 1998, "LA" Hoch & Co., works with Billserv/Payserv IDs, catering to non-banked Hispanics & others.
MA/Fi Centive/Akimbo smart cards... more upside potential 2022 & beyond.