Where is fintech headed?
Is this true or is it just me?
I feel at this point there are no moats in consumer fintech.
The framework seems to be in a rut, everybody is doing the same thing.
Account aggregator, spend insights, personal loans, credit card, mutual funds, indian stocks, us stocks, etc etc.
If 5 different apps have literally the same features, with no meaningful edge over the other, what would you go for? How do they stand out?
Customer support? Onboarding? Branding? Picking a niche TG?
Wanna hear what other product folks think about this.
Talking product sense with Ridhi
9 min AI interview5 questions
Real innovator seems to be RBI and NPCI. So call fintech startups that are supposed to innovate just print metal cards with visa or mastercard logi in them with ppi or credit on this or that. Tired of fintech scene
Money is changing forms.
Fintech future book by Sanjay Phadke,
Broken money by Lyn alden
tells the same story
Jamaica
No moat. Except lending nothing in consumer Fintech is money making.