Fintech Product Development

Most bank flows currently operate in an offline back system so there's different cutoff windows. They do not operate at least in the US for now in a real time fashion, but in countries around the world and also in the US in the near future, you would start seeing bank payments that are real time. Another important thing is balancing innovation with regulation. A product that divides by all regulations, but does not offer anything innovative is not likely to be adopted very well. Finally, your product needs to be able to achieve product market fit. It is a product that all that has a need in the marketplace.