Beyond Fintech: Disruptive innovation in lending

Lending has greatly evolved over the last several years with fintech playing a significant role in restructuring the lending landscape to be more dynamic and responsive. Fintechs are providing customers with pain-free lending services, and customers want the same unified experience with their banks. Additionally, consumers can choose from a host of financial and non‐financial providers. But, fintechs are struggling to find a sustainable business model in the face of funding instability.