AI code generation will create massive digital SKUs, transforming the payments market
arampell · x · 2026-08-17
The author argues the payments market will expand massively over the next decade due to:
- Explosion of Digital SKUs: AI enables anyone to build digital products, exponentially increasing purchasable digital goods. The only gating item is human creativity.
- From "Payroll" to "Payments": Tasks that required hiring people (e.g., assistants, paralegals) are turning into purchasable product SKUs payable via credit/debit cards.
This is not zero-sum. The author notes that companies like ADP are payroll companies, not payments companies—paying people is not the same as paying for things. This shift is already accelerating.
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