Echoing what many others on this thread have said - FinTech isn&#x27;t just hard, it&#x27;s <i>insanely fucking hard</i>. The technology piece is truly the easy part. Build the app, design a nice interface, and so on.<p>Then you have to deal with the banks, and yes, you absolutely must deal with the banks. There is simply no way around it. Anything having to do with money is heavily regulated and for good reason.<p>The first rule of creating a product that involves money is that people will look for ways to exploit it (read: fraud). There are many great FinTech startups out there right now wanting to do great things and the simple truth is that it is orders of magnitude harder than just about anything else. Barring, maybe, sending people to Mars or disrupting the car industry. :)