The companies that come out on top will not be any specific type of organization but brands that are able to create a one-on-one relationship with customers (much like the direct-to-consumer brands of today), accurately personalize their needs using data and appropriately predict their needs.

The consumerisation of fintech is opening up possibilities for brands to launch financial products and services for millions of people that have not had a fair chance at access. This clip talks about the challenges facing "fintech" startups and where consumer tech companies like Droom are filling the gaps using data and a customer-centric approach to the opportunities.