This article was originally published on Fidelity Center for Applied Technology, where you will find our team’s observations on the emerging social trends, technologies and businesses that are shaping our future.

The fintech landscape has radically changed in the last few years. In 2015, the market was product-led: successful fintech startups were solving narrow problems, such as payments or lending, extremely well. Fast forward to 2020, and mapping this more mature market requires a different lens: instead of that vertical focus, we believe that today’s fintech landscape is shaped by seven horizontal trends.

1. Financial Primacy

To position themselves as a financial hub…


As the as-a-Service business model keeps expanding from infrastructure to applications, financial services capabilities and products are being re-built to benefit from, and participate in, the platform economy.

This article was originally published on Fidelity Center for Applied Technology. It is the 2nd post in my Fintech Mental Models series.

On the heels of launching their credit card in August 2019, Apple recently announced Apple Cash Family, a service that allows adults to setup and control Apple Pay for their children and elderly parents.

If you happen to be shopping for a new phone at T-Mobile, you might be offered a T-Mobile checking account which features a higher savings rate for their mobile services’ customers.

And in past few months, Gusto began offering a checking account, Google enabled…

Alessandro (Ale) Vigilante

Born inquisitive. Former sailor & explorer, now making a go at growing happy children and innovative #Fintech corporates. Views are mine.

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