This is not the fin of fintech hype
summary
Panel reports fintech moving into the background with PSD2 and biometrics making card flows smoother while open banking forces partnerships; peer‑to‑peer lending often uses a pre‑financing model (platform notes €400M funded across Latvia, Poland, Russia, Kazakhstan, Georgia) with ~20% acceptance and roughly 10% returns, claiming profitability today. Cryptocurrencies remain niche and regulatory headaches; expect consolidation and neobank failures within about 1–3 years, not broad consumer crypto adoption yet.
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chapters (9)
- 0:00Introduction and panel setup
- 1:06Current FinTech trends
- 5:59Open banking and bank partnerships
- 9:54Cryptocurrency adoption and regulation
- 13:07Regulation in financial services
- 18:26Business models and financial crises
- 23:07Banks vs cryptocurrencies
- 26:57Traditional banks' role
- 30:11Underrated FinTech trends
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