Only a few fortunate upstarts—such as GoCardless, which facilitates recurring bank-to-bank payments, and Clearbank, which provides cloud-based payments software—tick all three boxes.

只有少数幸运的新贵— — 例如促进银行间定期支付的 GoCardless 和提供基于云的支付软件的 Clearbank— —符合所有三个条件。