Probably but on my side of banking our main attraction is capital concentration. If nothing else, being enormous and focused entirely on getting more in to red

Probably but on my side of banking our main attraction is capital concentration. If nothing else, being enormous and focused entirely on getting more in to redirect to productive investments is the main "secret" to crack. All fintech companies miss this point: they can get sexy, get a bit of retail, but when you want to buy a supermarket or expand a business you already have, you dont need software. You need capital. AWS and Walmart may have some, and could convince clients to switch to them, but they re not going to be anything else than one more big pool of money to lend and collect.