Instead, it has decreased or stayed roughly the same. It is certainly true that the recent changes are also the result of the disruptive digital evolution. New players such as fintechs and bigtechs have emerged. But structural change as such is not a novelty. The mobile wallet functions offered by Apple and Google are convenient and innovative.
But, in the end, it all comes down to the processing of “classic” credit card payments. Therefore, I would prefer to talk about the perceived acceleration of change. Fundamental change may be rather rare. In addition, change is and has always been an essential feature of human life.