January always feels like it's time for a change. You can see this play out with new redesigns being rolled out. People making changes to healthcare plans. Or changes to financial / tax planning as people look into the year. The same goes for companies who are looking to start their year accelerating plans for changes which are much needed. Here are some articles I came across that speak to this changing of the guard happening across different co's:

Mother of all payment networks buys into the network of fintech apps

Visa is the largest U.S. card network, handling $3.4 trillion of credit, debit and prepaid-card transactions in the first nine months of 2019, according to the Nilson Report. Its clients are largely comprised of banks that issue credit and debit cards, but the company is looking to expand its presence in the burgeoning field of electronic payments, where trillions of dollars are sent by wire transfer or between bank accounts globally each year. (via WSJ)

Via scribed

Old systems holding incumbents back from future progress

Antiquated systems have made it difficult for the bank to meet the demands of regulators, who are closely scrutinizing the firm after its 2016 fake-account scandal, according to more than a dozen current and former employees .

... The firm has struggled with tasks like monitoring employee pay and building a new platform for financial advisers, hampering key businesses.

... In the unit overseeing initiatives like Apple Pay, required documents were often missing and the processes for creating them and checking they were in place were largely manual

An open letter (read: blueprint / roadmap) for change

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