TLDR Tech / Fintech
Digital banking and fintech have ruined the customer experience
Modern financial services have evolved into a fragmented ecosystem that makes even simple transactions feel unnecessarily complex. Consumers now juggle multiple apps, identity checks, and platforms, while new risks like irreversible crypto losses and unclear asset inheritance add further friction. The next phase of fintech may hinge on creating unified digital identities that simplify access and restore coherence across an increasingly disjointed financial landscape.
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