The Fintech Frontier: Insights From Money20/20

We recently had the pleasure of attending the Money20/20 fintech conference in Las Vegas. It was an immersive and incredibly informative event, featuring speakers and thought leaders from many of the major U.S. and Canadian financial institutions, fintech innovators, major retailers, e-commerce and social media platforms and investors. Money20/20 is described as the largest global event focused on payments and financial services innovation for connected commerce at the intersection of mobile, retail, marketing services, data and technology.

Democratization not Disruption:  A number of speakers noted that, rather than characterizing fintech innovation as "disrupting", they preferred to view it as "democratizing".  It was a sentiment echoed repeatedly by representatives from both innovators and incumbents that embracing potential partnerships between financial institutions, traditional retailers and traditional service providers on the one hand, and new technology such