Can you please make your substantive points without swipes? It's hard for conversations like this to stay interesting and this sort of exchange tends to push them over a cliff.
Ah, that statement makes much more sense when you correct it to fintech.
I think I’d be inclined to point towards “neo-banks” as being more innovative in that specific sector, but that’s within “reasonable to disagree” range.
https://news.ycombinator.com/newsguidelines.html