In 20 years, there will be no traditional banks. People will switch to fintechs with banking licenses, which will use Data and AI to provide a superior and cheaper service to billions of people. Regulation will change, borders in financial services will fall, biometrics will dominate. During recessions, fintechs will scale down, survive and grow stronger. Banks will not be able to do that. Leno is positioning to be a leader in this change.
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