There are many tracks in fintech - lending, payments, crypto etc. In which of these tracks do you think fintech will cause the biggest transformation? #finance
Hard to tell but my guess would be Crytpo.
Payment facilitation
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Lending will transform developing areas like Africa, blockchain has the *potential* to disintermediate some of the retail and commercial banking world. All have their own strengths
I assume you mean consumer lending? I agree that it has strong potential but I also see it as quite risky since many developing countries don't have formal credit risk profiling systems.