Very, very difficult in fintech. Very high barrier to entry. The Paypals/Venmos/Acorns of the world have been increasingly getting into the traditional banking

Very, very difficult in fintech. Very high barrier to entry. The Paypals/Venmos/Acorns of the world have been increasingly getting into the traditional banking realm, offering checking account/debit card products, but their back ends are still the same old slow companies. Polishing a turd essentially.