There’s a dynamic balance between the innovation and resiliency benefits of the messy, creative ferment of many smaller competitors, and an oligopoly or monopoly’s scale economies, says Intrepid Ventures' Eric Grover.

The Paris-based fintech has added a range of extra features in recent years following the advent of PSD2 and open banking in the EU.

LendingClub, poised to be the first U.S. online lender to buy a bank, says the transaction will be completed in early February now that it has received approvals from the Office of the Comptroller of the Currency and the Federal Reserve.

During the past year we’ve seen some ingenious, innovative solutions addressing financial inclusion, and that will need to continue, says GPS CFO Richard Hodgson.

Payments technology provider Plastiq says it is the first company to fully integrate Intuit QuickBooks Online onto its payments platform — a move that illustrates the growing power of Plastiq's technology.

Payment companies in the near future will need to address the impacts of industry consolidation, pricing pressures, regulation, card-based technology solutions and spotting the proper niche, says Moneycorp Americas' Bob Dowd.

JPMorgan Chase CEO Jamie Dimon fired a warning shot Friday at financial technology upstarts such as Chime and Plaid.

While fintech's advancement creates a pathway for innovation, it also expands exposure to unintended risk, says Flywire's Mike Massaro.

What started as Mezu and went through 18 difficult months competing as a payments offering has now rebranded as Alviere, with a broader range of digital banking services.

The online lender founded by Renaud Laplanche is now a full-fledged challenger bank that can offer generous checking terms because, it says, it can count on its loans for profits.