It was moreso on the evolution of commerce (not so much tech as in like VC-backed SVB kinda tech). This quote is more of the "tech" I'm thinking of (so more like VISA and Mastercard):

AM: This is another one of those situations where I think it’s useful to look back at what was actually happening at the time and how people thought about things at the time. Because the delivery regime that we have is convenient in a lot of ways for people that can afford to interface with it. It’s really easy to get used to it, especially since other options for more traditional types of commerce, in a lot of places have dwindled, especially in places with poorer populations. In the late 90s when Amazon was founded and you get a lot of other dot-com startups that were trying to figure out what this model would be to sell things online. It was met by a population that was largely pretty skeptical of having to buy something on the internet. It was a novel technology; it seemed like the Wild West. It seemed like buying something online was probably a great way to get your credit card stolen. There wasn’t a lot of trust.