As large banks modernize, FinTech’s edge in speed and UX may shrink, pushing startups toward niche innovation, partnerships and infrastructure rather than end-to-end disruption.Competitive advantage is moving from balance-sheet scale to software and proprietary data, enabling automated decisioning, embedded finance and platform-style banking models.Updating the banking core has traditionally been viewed as akin to docking a cruise ship, with modernization serving as shorthand for incrementalism. Digitize th ...