Welcome to the Tearsheet Podcast. I’m Zack Miller. A new study from Escalent, a research consulting firm that does a lot of work in financial services, shows that growth is slowing across the digital ecosystem. It may be easy to wave this off but for fintech firms, this is extremely troubling. Startups that fail to consistently grow frequently pivot away from their original market or product or fade away into the ether. Chris Barnes, chief product officer and managing director at Escalent, joins us on the podcast to talk about his firm’s findings. Specifically, we discuss growth trends and trajectories in payments, robo-advisers and micro investing, and cryptocurrencies. Chris also shares what he thinks fintech firms competing in these fields need to do to reinvigorate growth. Chris Barnes is my guest today on the Tearsheet Podcast.