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Today, fintech companies directly compete with banks in most areas of the financial sector to sell financial services and solutions to customers. Mostly due to regulatory reasons and their internal strucutres, banks still struggle to keep up with fintech startups in terms of innovation speed. Fintechs have realized early that financial services of all kinds – including money transfer, lending, investing, payments, … – need to seamlessly integrate in the lives of the tech-savvy and sophisitcated customers of today to stay relevant in a world where business and private life become increasingly digitalized.
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