It depends very much on your current scope of influence. It can be hard to change a whole company, but easier to start with yourself and your team. Try doing one and see how it is received.
A previous CEO used to hold breakfasts once a month. It was really informal with a mix of people and a wide variety of work related topics got discussed. We could ask him things and he could ask us things. The setting made it really good for breaking down that communication barrier between juniors and The Boss.
In the town I grew up in (South Africa), there was a planning law that prevented the footprint of a house from being larger than a certain size. It had been that percentage for years and I'm hoping that it doesn't change because it's helped the area stay green and lovely without becoming overly built up.
Do similar planning laws exist in other countries?
There are two classes of payments - consumer and business.
This API is designed for business payments. Companies that process tens, if not hundreds of thousands of payments on a monthly basis. Think about the companies that sit behind businesses like Etsy or Uber - they need to take a lot of payments from customers and pay the supplier.
Many of those payment companies are financial institutions themselves who probably already have some kind of connection to programs like Visa.