Deposits: the foundation of every bank. Loans: the lifeblood of a bank's revenue. It's more than just lending; it's about smart, sustainable lending, minimizing friction, and adeptly managing risks. Money movement: In today's digital age, whether it's wire transfers, remittances, or digital payments, seamless money movement is indispensable. KYC, risk assessment, fraud detection, compliance are vital but just support functions, designed to enable and bolster the core trio. Why it's crucial for fintechs to understand these three pillars. Whether you're crafting a P2P lending platform or a digital wallet or an ID verification service, your success hinges on enhancing flow of deposits, loans, or money movement & aiding banks to achieve these more efficiently whilst delivering better customer satisfaction Banks need to optimize but bank executives are challenged to continue driving increasingly complex digital transformations with less resources