Increasing specialisation is an inevitable trend once any business service becomes commoditised. This is just one step further along a path that has been in place for ages. Exfiltrated credit card data already passes down a hierarchy of wholesale providers of specialist parts of a service (e.g. obtaining, validating, ranking, bundling) before it reaches the party the actually cashes in.
By the way, over a decade ago research was conducted into the black electronic economy, and even then the corporate structures identified matched those of major "legitimate" corporations very closely. It's a big mistake to view the perpetrators as a special business class - they just business people using the same business methods that work for everyone. The product is the only bit that's different.