Note: Imported from Medium, first published in October 2020 As 2020 rages onwards something strange is happening in Fintech. European Fintech’s engine is stalling out as America’s is hitting full throttle. One of the places this is starkest is challenger banks and the infrastructure that underpins them. The American challenger bank industry right now is buzzing. It’s as exciting as anything going on in India, Kenya, Nigeria, Brazil, and the other emerging market fintech powerhouses. American ...