The reduction in processing costs of financial transactions and the easy conversion of non-financial networks to financial ones have created a profitable opportunity for non-financial business firms to enter the financial services industry by selecting such specialized areas as payment and settlement without needing the synergies obtained from accepting deposits and extending loans.
Because entry into selected financial services has become possible, it appears that the initial entry cost has been further reduced and the incentive for non-financial business firms to enter the sector further strengthened.