So the sad thing is fintech startups do not really solve things for now. They just push some banks to improve their tech. Here is a real issue: transaction spe

So the sad thing is fintech startups do not really solve things for now. They just push some banks to improve their tech. Here is a real issue: transaction speed of SEPA wire transfers. Here is another issue: no fintech will be able to solve it, since fintechs are no banks, and (typical for "disruptive" startups) can not solve this for the whole system as it is a regulated system for tons of reasons. So what could fintech really solve? How about focussing on customer facing technology? A fintech proposing and providing an open standard for banking apps where security and compliance is enforced by default would at least one problem solved.