How Fintech Startups Are Disrupting the Payments Industry. Last year, Japan-based Soramitsu rolled out a next-generation payment network that enables real-time payments online and via smartphones. The venture's blockchain platform is faster, cheaper and addresses development issues such as when people are "unbanked." In Cambodia, for example, 78 percent of the population over 15 years old do not have access to banking services. In six months, the platform enrolled thousands of real users.