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This was great - I'm tangentially aware of the fintech scene (my spouse worked in it for some time) but personally naive, and my concern - outsider looking in - is that many companies rise on the promise of simplification and lower operational burden, but behind the curtain it's just a bunch of operations folks with spreadsheets versus actual technological innovation. I've observed this with a handful of wannabe-neobanks and full stacks in Asia and I wonder if this is generally true?

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