Fintech has grown wildly beyond what we could have imagined 15 years ago, and the ecosystem is now littered with behemoth tech companies. But for all that noise, fintech hasn’t really even made a dent in most parts of financial services. In fact, so little impact that you could reasonably ask, "will it ever?" But if you look close enough at the canary in the coal mine segments, fintech penetration is happening, is accelerating, and is inevitable across the whole industry. There are trillions of dollars of market cap to go get, and you could argue we’re at risk of under investing in the sector. Zach will also dive into what areas of fintech are especially ripe for innovation and have the most opportunity to disrupt traditional finance.