The Future of FinTech

I think that technology is evolving, and we're at a crossroads in financial technology where we're moving from one level to another level. We call it embedded finance, but it's not a standalone phenomenon. One of the reasons that the financial technology industry was slow to scale at the beginning of the 2000s was really that there was nobody on the other side. Today, you have both elements crossing. You have a more sophisticated technology capacity, and you have a more knowledgeable user.