The very first fintech inventions were the Wire Transfer using telegraph and morse code and the ATM back in the 1900’s. Since then, technology has evolved and shifted from analogue to digital channels and revolutionised the way we perceive and interact with our finances. Fintechs led the charge in the unbundling of the financial services value chain following the 2008 financial crisis and we now have multiple independent apps solving different financial problems. Although advantageous and convenient, it has also created a fragmented customer experience due to the sheer number of platforms. Hence, we are at now at the dawn of Fintech 2.0 era which can best be called the rebundling. More on the subject in this video.
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