The Evolution of Fintech Startups: From Disruption to Collaboration with Traditional Banks

Abstract

This paper traces the evolution of fintech startups from disruptors of the traditional banking industry to collaborators with established financial institutions. Through case studies and industry data, the research explores how fintech companies have transitioned from competitors to partners, driving innovation and expanding financial services. The study discusses the benefits and challenges of fintech-bank collaborations, including regulatory issues, technological integration, and customer trust.