Debbie Hopkins
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- Milken Institute1h 0m
The Future of FinTech
Debbie Hopkins, Igor Tulsinski, Rob Antonides, Arjan Chute, Finn Upham
A panel of venture capitalists and banking executives analyzed the $12 billion global financial services investment surge, highlighting a strategic pivot toward serving underbanked populations and small businesses while traditional banks retreat from high-risk segments. Incumbents are increasingly adopting "build, buy, or partner" models to modernize legacy infrastructure and navigate complex regulatory landscapes, potentially evolving into back-end utility providers for specialized fintech operators within a decade. Experts caution that while the sector faces risks from market bubbles and algorithmic lending bias, successful disruption depends on prioritizing the bottom 90% of consumers over the elite "top 5%" to truly democratize access to capital.