Consumers still need accounts, payments, and credit, but the products are changing fast. The next test is which new tools people will actually use, not just which ones banks can build.
Fintech is no longer just a threat to commercial banks. The real contest is which institutions can combine technology, trust, and distribution as the two sides keep converging.
Banks no longer compete only with other banks. These case studies show how fintechs, digital lenders, platforms, and digital money reshape financial services competition.
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