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Hello, my name is Faisal Khan banking. Im a banking and a payment consultant. I want to talk today about building a payments company - a small payments company. Everyone is trying to look at the - API is out there, the easy - the ease at which someone is putting up a website, and suddenly becoming an affiliate an agent etc., and then launching their own payment service. It could be B2B, could be B2C, could be B2C, could be B2B2C - doesnt matter. The problem is most of the people are trying to make a hustle and trying to make a living. Its okay. I have nothing against that - I love hustling. But the problem is you must understand that this is not as simple as you know doing a market flip on a car that you may have bought, or a piece of property you may have bought. Getting into the money business - the cross-border payments business - requires commitment and time. If you are short on both, I suggest you dont do it. Once you are full with commitment and time, the most important thin