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Partner banks don’t just support fintech innovation – they shape it. Partner banks decide which business models get distribution, which customer segments are worth pursuing, and which innovations are worth betting on.

“In an AI-native world, the question isn’t just how financial products are distributed – but what distribution even means when every product, price, or service is just a prompt away.” Despite decades of technological change, core financial products remain largely the same. A checking account is still a deposit. A mortgage is still a secured…