Fintech's future lies with Big Tech's ecosystems

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Fintech's future lies with Big Tech's ecosystems
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Bank of Google? Not exactly. But fintech's future is in Big Tech's ecosystems

China and the US simply aren't the same place, and happenings there don't necessarily equate to action on the part of US tech companies, Steadman says."Does Apple actually want to get a banking license? I honestly don't know. But would it detract from their core business? Probably."US banking regulations, like many American legal structures with authority split between state and the federal governments, are complicated.

Consider Amazon: It's one of the largest companies in the world, and in the US alone was responsible for 41 percent of ecommerce sales in 2021, as of October of that year. Not only is Amazon an ecommerce platform, but also offers the widest "Amazon is the most formidable. If Amazon can get you lower debt payments or give you a bank account, you'll buy more stuff on Amazon," Rampell said in 2017.

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