Why isn’t there more consolidation in fintech?

Um and so I mean obviously there is a Lot of demand for this kind of product I Mean I've been astonished to see how These other sort of competitors that Have sprung up in more recent years After pay there's a firm there's uh Sizzle Um why hasn't there been more Consolidation in this space is it just Too soon yeah I don't know I think there Might be come eventually but I do think Again that like there's a lot of focus On these companies right now and it's Fun since clone I think was the original In the first one in the space but the Point is that like What we're trying to do all of us all These companies together is really going After that credit card industry that is A trillion dollar industry whatever it Is and that hasn't served its customers Well that hasn't you know has been all About hiding fees and and you know very Intransparent products and services so Fairly hopeful you know poor quality so I think you know the reason you're Seeing a lot now is because that Disruption is really happening now uh There's a big opportunity to change how This whole and that's in one to some Degree also true for n26 and monzo and All the banking disruptors as well like We're all going after these big Banks Right who haven't really uh served their

Customers well well