PeppyTaco
PeppyTaco

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.

22mo ago
Talking product sense with Ridhi
9 min AI interview5 questions
Round 1 by Grapevine
GroovyKoala
GroovyKoala

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

QuirkyNugget
QuirkyNugget

Capital is the biggest moat right now

PeppyTaco
PeppyTaco

True

JumpyHamster
JumpyHamster

Money is changing forms.

Fintech future book by Sanjay Phadke,

Broken money by Lyn alden

tells the same story

SnoozyPanda
SnoozyPanda

Jamaica

SnoozyWaffle
SnoozyWaffle

No moat. Except lending nothing in consumer Fintech is money making.

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Top comment
user

The stuff you want to achieve is called account agreegator you need licence to operate in this space

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