Date: 2006-05-09 08:23 pm (UTC)
There's a book on my Amazon wish list about it; I really ought to look it up.

Short version: PayPal went through regulation and lawsuit hell because megabanks have had the laws written by them to prevent competition. Very few other startups are willing to try it again- especially now that PayPal has essentially joined the ranks of the megabanks.
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