The term unbundling evokes imagery of packaging tape or the sound of popping of bubble wrap. But in the financial industry over the past decade it has become synonymous with disrupting legacy processes, enabling consumer choice and breaking down barriers to entry for companies looking to bring innovative new products to market.

The unbundling movement has allowed for new levels of efficiency and lowered costs across traditional payments, banking, telecom and retail industries, with sweeping innovations being introduced by technology companies who have made choice and enablement part of their core DNA. 

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