Your understanding of financial sector is at infancy stage maybe Kindy’s level…so you know how many Fintech lenders are coming up every day….are you the only smart one and they are all the idiot lot and their financiers super idiot
There are more than 20 k banks in this world and because of Basel capital accord all of them are well capitalised and making money…these Fintechs are disrupting the business of 20 k banks and also reaching to the more than 50 percent of customers not served by them…BNPL has just started and there will be a place for many…some big some small
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