Credit union fintech solutions (Image: Shutterstock).
The way people access their money and manage their finances has been evolving since humans began using currency. Not that long ago, debit cards were innovative. It could be said that "fintech" began decades ago with the invention of Automatic Teller Machines, or ATMs, which marked the first time consumers could access their money 24 hours a day, seven days a week. Dial-up and website-based banking soon followed, delivering more value and convenience to consumers. The focus has now shifted to harnessing the power of digital. This is in part a response to companies outside the financial sector, such as Google, Uber, Amazon and Apple, wading into the market and bringing with them new innovations that are disrupting the delivery of services and changing consumer expectations.
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