Long Take: Understanding the Fintech user growth behind the $10.4 billion eToro SPAC and coming Chime IPO vs. the melting Megabanks

Hi Fintech futurists --

This week, we look at:

• Chime, eToro, and Wise targeting the public markets through IPO and SPACs, and their operating performance

• The overall growth in fintech mobile apps, their install rates and market penetration (from 2.5 to 3.5 per person), and whether that growth is sustainable

• The implications for incumbents from this competition, and in particular the impact on money in motion vs. money at rest

• Broader financial product penetration and an anchoring in how the technology industry was able to get more attention that we had to give

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