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Both fintechs and traditional banks/credit unions play an important role in meeting consumers' financial needs. However, consumers will gravitate toward providers that can best optimize their digital experiences and offer omnichannel support, strong data protection and effective fraud prevention. We highlight key findings from our Voice of the Connected User Landscape: Connected Customer, Fintech & Holiday Experience survey.
Traditionally cumbersome financial processes such as mortgage lending have typically lagged other financial services when it comes to a streamlined, digital experience. Blend is looking to simplify the mortgage-lending process and other consumer banking services with its cloud-based financial services platform.
The event began a decade ago with a primary focus on B2B and B2C models, but increasingly the emphasis is on B2B2B and B2B2C. Fintech infrastructure providers with as-a-service models are in focus as financial services are becoming embedded in the software and applications that consumers and enterprises are already using.
A look ahead to the key strategic trends and opportunities expected to drive the technology, media and telecommunications industry through 2023 and beyond.
The company is serving a growing base of enterprise customers that have more complex needs than the small merchants it has historically worked with. We take a look at Square's traction upmarket and how it is approaching the enterprise opportunity.
Banks were once the primary lenders; now, through bank and fintech partnerships, nearly any company can offer lending services under their own brand, a concept known as embedded lending. We explore embedded lending and highlight several vendors offering embedded lending services.
Seventy percent of consumers use at least one financial service from a financial technology provider, according to our VoCUL: Connected Customer, Quantifying the Customer Experience survey. Fintechs appear well positioned to earn a greater share of consumers' financial interactions over the next 12 months.
BNPL leverages debit as a funding source and enables consumers to split purchases into installments, offering payment flexibility like credit, but typically lacks the ability to earn rewards and can limit consumers to shopping with merchants that support it. Zilch is looking to bridge debit's reliability with credit's flexibility and reward-earning potential.
Offering consumers a variety of options, from payment methods to omnichannel experiences, is crucial for delivering a streamlined customer experience. In this year's Voice of the Connected User Landscape: Connected Customer, Quantifying the Customer Experience, we examine payment and banking behaviors and assess customer experience preferences to determine what is next for commerce.
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