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Perhaps the most heavily disrupted, at least from the consumer and small business perspectives, element of fintech has been payments. The stranglehold banks have had on how money is collected and moved remains strong but a number of new players have begun to edge in. One of the big players in that disruption is Square. Today, they have released their new Square Stand - a $299 device that works out-of-the-box to convert an iPad into a full point-of-sale system.