Ryan Gilbert

A seasoned investor in startups offers his top predictions for the coming decade. Among them: Big tech firms will become big players in financial services.

If the new White House engages in the same process of listening to and researching the fintech industry that President Obama initiated eight years ago, startups should just take a pass.

The very customer banks should be looking to for future loan and deposit growth receives more solicitations from AT&T or Sprint than she receives from her own bank.

I urge travelers to San Francisco to take a tour and visit some of the many startups, disruptors and success stories in the area.

Short-term disruption of the financial services industry will most likely come from within: when banks partner with financial services entrepreneurs and embrace innovation. It's happened repeatedly in the payments sector: PayPal and Wells Fargo ten years ago, Square and JP Morgan Chase Paymentech today.