“Are you ready for Isaac?” I attended a startup and tech conference four years ago, and one of the presenters asked this as the main argument of his keynote about fintech. Back then, the industry wasn’t yet widely known as fintech. But the presenter, Scott Bales, had a vision for the banking system, and that is for tech firms to give better access to the millions and millions of unbanked and underbanked individuals across the globe through democratized financial services that are mainly digital-first or mobile-first. He highlighted that for the financial sector, it’s now becoming more common to be…
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