How innovation under the hood will enable fintech startups to go over-the-top
Matt Heiman

Great article Matt! I read Sarah’s article too and together, these two articles summarize exactly what’s happening to the financial services industry. The unbundling of financial services is what is meant by FinTech 1.0, whereby FinTechs are attacking certain verticals/services within the financial services industry. The next gen or FinTech 2.0 is being brought about by startups that are “re-aggregating” these unbundled services. With the help of data aggregators such as Yodlee, these FinTechs are getting a 360 degree view of a user’s financial life. This is enabling them to provide more contextual services and allow them to make better financial decisions.