Disruptive innovation in the Payments segment is difficult because:

Question $5$ options:

$1)$

Entrants' solutions must rely on the established organizations' control of payments infrastructure.

$2)$

Entrants' solutions must be compatible with methods of payment that consumers already use.

$3)$

Entrants' solutions must be subject to policies enforced by the Federal Deposit Insurance Corporation.

$4)$

Entrants' solutions must be integrated or linked with consumers' bank accounts, which results in additional regulatory compliance.

$5)$

Both $($a$.)$ and $($b$.).$