The end of the fintech gold rush?

Why did so many new fintech start-ups fail, and how can ‘fintech 2.0’ succeed, asks consultant

Palo Alto, California

Anyone reading the industry and even mainstream press might get the impression that banks and other financial services firms are being threatened, or at least transformed, by a continuing wave of fintech disruptors. The trace of this on the collective imagination is charted by Google Trends (see figure 1).

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Over the past four or five years, it seems, there has been an inexorable rise in curiosity about fintechs. This is supported by evidence of investors’ ever-growing appetite for the

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