BB&T announced that it plans to acquire SunTrust primarily in an effort to scale its technology capability such that it may deliver more on-demand services to customers. This is a corporate governance issue. You simply DO NOT have the luxury to wait for Payments upstarts like Square (tkr: SQ) to capture a $30B-plus valuation ($40B-plus at peak) before you are motivated to take action. Square is 10 years old and could have been acquired years ago at a fraction of the current valuation. The biz model proved itself years ago. Similarly, Payments infrastructure company Stripe (pvt., best-in-class fraud detection and frictionless payments acceptance) could have been acquired for a fraction of its $20B valuation. Further, rather than acquire another Financial Institution that shares your predicament, why not embark on a bold FinTech M&A strategy?