Toda empresa será una Fintech
En un futuro no muy lejano, creo que casi todas las empresas obtendrán una parte significativa de sus ingresos de los servicios financieros.
In the not-too-distant future, I believe nearly every company will derive a significant portion of its revenue from financial services. In this post, I’ll delve into the infrastructure that’s enabling this transformation and, more importantly, how that’s going to fundamentally change banking as we know it. Every company, even those that have nothing to do with financial services, will have the opportunity to benefit from Fintech for the first time.
Startups will be able to launch companies faster and more cheaply. Existing financial services institutions will be able to introduce new products quickly—and spend less on IT maintenance. And most importantly, this means more choices, better products, and lower prices for consumers.
First, let’s take a brief look at the state of the banking industry today. A survey by the World Economic Forum found that just 28 percent of the millennial and Gen Z generations trust their banks to be fair and honest. That is a far cry from providing delightful products.
Meanwhile, the more than 50 percent of Americans who live paycheck to paycheck often experience an entirely different financial services system. Though they’re likely to need financial services more, they have fewer options, and those offerings are much more expensive. Collectively, the majority of us definitely don’t love our banks.