There is a HUGE world out there of stored value, that simply does not exchange value with other such stored value systems. Even tried moving $3 from your Starbucks wallet to your GrabPay, or $1.50 from your Sony PlayStation Network to your Careem balance? How about moving $7 into Uber from your airline miles?
These stored value systems are like little islands of value, and there is no bridge or boats ferrying value between them.
This short video explains the problem and the opportunity that lies herein.
Earlier referenced videos: