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Interestingly, fintechs score at or near the bottom.

Makes sense.

Most are clueless startups.

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That may well be, but most consumers would be oblivious to that, so it’s something else.

Nah.

Most consumers are cautious by default with their money.

They don’t start moving until the fintech has crossed the chasm.

I’ve worked with dozens of both types.

Consumers are cautious, yes. Aware of the workings of startups, no. Revolut vs their bank is judged on different factors.