The first wave of financial technology, commonly known as fintech, focused on making financial services more accessible. Mobile banking apps, digital wallets, and online payments replaced traditional, paper-heavy systems. But the next phase of fintech is far more profound.
Today, fintech is no longer just about improving how we access financial services. It is about redefining where and how financial services exist. Instead of being separate tools or applications, finance is becoming deeply embedded into the systems, workflows, and platforms that businesses already use every day.