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FinTech in 2023
I think if we were going to define a headline for FinTech in 2023, it's that this is the Noah's Ark gear of FinTech. I think there's going to be tremendous opportunities. The first generation of FinTech consumer winners really use product as a wedge to get massive penetration of distribution with customer basis. So where does that lead to consumer finance? I actually think there's a brand opportunity that creates the ability to market to more niche demographics.