The Lines That Divide FinTech Segments Are Blurring

The financial services industry is in a flux right now; nobody has a clear-cut five-year strategy. I love this state of constant chaos and disruption as it will make us stronger as an industry in the long run. It will test the companies to the core and will jettison the waste. The winners will come out stronger; there will be consolidation. A starting point I see right now is that companies are crossing the lines that used to divide segments. They are beginning to offer more than one or two financial services. Some of it is by design (blame the strategy/consultants suggesting product line expansion) and some of it is by default. Entrepreneurial instinct plays a role as well.

We do a lot of things with money. We earn money, we invest/save money, we transfer money to others, we pay for goods with money (commerce transactions) and we borrow money. Because of their focus (and limited resources), startups have traditionally worked on bringing fresh new ideas/approaches to one niche/specific segment that they think they can disrupt. Of course, collectively, startups are disrupting the whole financial services stack, but individually, they have focused on one or two things so far. But not anymore; things are changing. Money works best when there is an overlap between the source of funds and use of ...

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