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Disruption & Scale: Can FinTech Startups Really Have it Both Ways?

There is an interesting term describing a certain type of relationship between FinTech and banks called ‘rent-a-charter’ - a model when banks backstop or formally provide services behind FinTech websites. With the evolving relationships between startups and institutional players, this has become an often cited scenario, especially in lending, bringing certain scrutiny for everyone involved.

The financial services industry is now past the stage of opposition between FinTech startups and banks with a wide range of institutions walking hand-in-hand with startups or being involved in some sort of interbank consortiums. As a res ...

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