Everything you read in the newspapers is absolutely true, except for the rare story of which you happen to have firsthand knowledge.
Too many people use some terms without understanding them beyond the definition.
Too many “experts” use the terms but they never had experience with the actual implementation of anything in #banking, #fintech and #payments.
To many media outlets publish promotional articles in which any company can claim whatever they want.
I have seen articles in which a company was claiming that they implemented the payment infrastructure in a country where I was one of the architects of the same infrastructure.
I have seen articles about banks claiming to have implemented a payment messaging standard of a clearing system, while I was in discussions with the same clearing system to define that standard.
The president of that bank was bragging that they are the first to do it while the standard was not even known by me, the guy defining it.