This is a great read from Modern Treasury. One thing highlighted in this article that the industries not always talk about, is the concept of "Payment Ops". This is critical in FinServ organizations from my own experience. Any good and reliable payments infra is a function of technology, people, and process, and you need good tooling to streamline the whole workflow that involves engineering, finance, credit and compliance teams. Integrating with a payments API is only half of the definition of done.