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Sep 17, 2026 · bearish
(https://www.cnbc.com/2026/09/17/charities-ira-gifts-hurdles.html) at financial firms because of new employee vetting rules is the clearest signal yet that the fintech narrative has inverted. Everyone's chasing consumer acquisition—Chime, SoFi, all the deposit-gathering plays—but the real margin is in solving B2B institutional friction.

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