Fintech 2025: The Next Wave

Taken together, new technologies and financial products are blurring the lines between investing, consuming, experiencing, and participating. COVID was a catalyst; will the shift persist?

Over the past decade we have seen a wave of consumer fintech innovation unbundle the traditional bank and financial services platforms as younger customers have poured in to those emerging leaders. But no recent consumer-focused fintech player has built a new, large financial services platform specifically focused on America’s aging population. Giv... See more

When building product is easier, the competition moves to customer acquisition. That was the core insight behind Unit: Fintech 1.0 was about products; Fintech 2.0 is about audiences.

the financial services industry is one that has yet to convert fully to the new paradigm. And in the spirit of inspiring this industry to reposition in the Entrepreneurial Age, I often talk about innovating in finance in front of various audiences—corporate executives, entrepreneurs, policymakers. My key message is always that the revolution in fin

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Among digital natives, everything is social. We see a steady march toward more social products. Examples from the Daybreak portfolio, across a range of sectors:

• Investing: AfterHour, which offers a social hub for trading and financial learning


• Dating: Amori, which takes single-player dating and makes it collaborative and social with LLM-powered ma

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