Consumer fintech definitely feels like a bubble. There are a few promising entries in the space, but the overarching trend is price wars in various sectors (tra

Consumer fintech definitely feels like a bubble. There are a few promising entries in the space, but the overarching trend is price wars in various sectors (trading/investing, loan underwriting, wage advances, bank accounts) competing for the same (scarce) millenial dollars. The TAM is certainly large, but margins will quickly go to zero, and with the sheer amount of contenders in each space, I don't see the majority making it out alive.