The following question references Article $2$ in the packet linked above.

Assuming Visa operates in the payments industry, according to the quote from the article below,

products like Apple Pay are, at the time of the article, representative of a high threat of substitutes for

the payments industry.

$"$So far, "fintech" payments startups like Square or Stripe shunt transactions onto Visa's rails rather than

offer a new set of tracks. Apple Pay and Google Pay are little more than a plastic$-$less way to store your

Visa and Mastercard."

True

False