First came PayPal, then Venmo and Zelle. The way payments move in the U.S. has come come a long way, but there’s still much to room to improve and grow. Just one look at Europe’s sleek system is enough to inspire some payments humility. But meaningful change can still happen when smaller financial institutions embrace tech with a distinctly customer-centric touch. Eric Dotson , EVP of Sales at Aptys, walks us through how the industry — caught off guard by previous breakthroughs it didn’t embrace — has a chance to make up for lost time and then some.