on potential rules governing consumer access to financial records, ushering in federal-level open banking standards.
Fintechs that adequately handle this increasing regulatory oversight will demonstrate their maturity, deepening their relationships with regulators in the face of incumbent lobbying. Fintechs need to bolster their compliance efforts. The pandemic has brought fintechs from the shadowy edges of the financial sector to being increasingly embedded in it, the survey findings suggest. As regulatory expectations rise accordingly, fintechs will need to upgrade their internal compliance processes, which can be costly. They should therefore use the same thinking they apply to designing their services, and leverage emerging tech to automate compliance.
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