More middleme dreams of unbundling. Take a service, split it into components and sell them individually for more than the old total.

A couple of the latest attempts are removal of net neutrality (by creating a pay-by-service internet) and open banking, which provides fintech companies a way to resell and rebundle financial services and products.

Notably, the bit of technology that always works is the one that takes money from a wallet as softly as possible. Similar to keyless-go on a car, there's no need to even brandish a payment card.

These unbundling schemes are a form of 'cats eye' or 'patented wire-coathanger' thinking. To take a tiny sum from every transaction that takes place. A 100 million cents per day is still a lot of money, especially if there's another 100 million tomorrow.

From January, the new aggregators and payment initiators can get in the middle of transactions. Like the people that operate car parks on behalf of stores. Who hasn't had one of those threatening £70 summons from overstaying the time in a supermarket car park?

It may take months before the new twists emerge, but there's already monkeyrooms working out the angles.