The Future of Money - Banking on Fintech

Explore the evolving landscape of financial services and fintech in this 29-minute talk by a16z general partner Alex Rampell. Delve into the driving forces behind innovation across core banking, new financial services, insurance, and investing. Examine how startups successfully compete with established entities, leveraging new data sources and unencumbered by legacy infrastructures. Gain insights into the expanding market, the battle between startups and incumbents, and the impact on consumer debt and user experience. Discover the progress of startups in various sectors, including insurance and capital markets. Analyze three key themes shaping the industry and understand the importance of infrastructure in driving fintech innovation.

Introduction
Whats driving the change
The battle between startups and incumbents
Core banking
Consumer debt
User experience
Blendup
Scaling
Where Startups Have Arrived
Insurance
Insurance Market
Zenefits
New insurance formats
Auto insurance
New data
Capital markets
Three themes
Boring and infrastructure