Finovate White Paper: Infrastructure Is the New Battleground in Fintech
Fill in the form to access the white paper
After more than a decade of competing on user experience and unbundled products, banks and fintechs are now moving down the stack, competing for ownership of the rails that power payments, identity, settlement, and decisioning.
This paper examines four key shifts driving that transition:
- Super apps emerging as the new access point to financial services
- Fintech bank charters surging to internalize core capabilities
- Stablecoin infrastructure expanding rapidly
- Agentic commerce emerging as a new orchestration layer
Together, these trends point to a future in which control over infrastructure, not interface, determines who captures value, owns the customer relationship, and remains relevant in the next era of financial services.
Fill in the form to dive into insights from our research analysts Julie Muhn and David Penn.
