We are at a moment in history with technology radically changing and influencing virtually every global industry. We rely on telehealth to see our doctors. Robots can take our orders and deliver our food at restaurants. In addition, many of us are working remotely through the power of virtual meeting software. The payment industry has also been altered by technology. The price of technology continues to fall, and its functions continue to improve, making technology more accessible. As a result, this affordability and accessibility have led to an explosion of innovation in the payment industry.