Mobile-based payments solutions were ushered in by some of the largest technology firms over the decade, and since then these firms have had a strong grip on the industry.

FORBES: BofA Is Sick Of Square, Rolls Out New Mobile Payment System

Even as state and federal officials prepare to roll out the exchanges, Brian Hassan, founder of BayPoint Benefits, a San Francisco-based health-insurance consulting firm for technology startups, says he has met with budding entrepreneurs at large tech firms who put their startup plans on hold after crunching the numbers.

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