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      "text": "Moving goalposts for banks\nSome of the most successful FinTech partnerships occur between start-ups and large established companies, such as banks. This is especially true as the role of traditional banks has evolved, with 'collaborating and partnering with FinTechs for mutual benefit' a priority for 32% (although down from 54% last year). 'Investing in early-stage FinTechs' is also seen as a growing role for banks, according to 18% (up from 11% in 2021).\nAt the same time, the way financial technology is consumed is changing, with proprietary solutions much less desirable (4%) than those delivered through partnerships (21%). Banking-as-a-platform is also on the rise, up from 19% to 22%.",
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      "text": "Some of the most successful FinTech partnerships occur between start-ups and large established companies, such as banks.",
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      "text": "survey participation: 58%",
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      "text": "Nothing innovative is created without imagination. Pushing boundaries and disrupting the status quo continues to be the preserve of start-ups, according to 58% of survey participants. As seen last year, there was some regional disparity between the level of belief in start-ups' ability to disrupt the payments industry. APAC leads the positivity, with 72% opting for start-ups, rising from 59% last year. The view in EMEA remains unchanged (59%), but the Americas has dropped from 60% previously to 55%. Interestingly, four of those 'lost' five percentage points were added to 'partnerships' and 'consumers', in the eyes of Americas respondents. Though, generally, consumers (13%) were deemed to be much less disruptive than partnerships.",
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      "text": "Indeed, collaborations were seen as more fruitful (21%) than last year (19%), across all geographies – although APAC participants were less enthusiastic (12%) about partnerships than their EMEA counterparts (25%). Interestingly, APAC respondents were also cold towards large established companies as a source of innovation, dropping from 19% last year to 0%. And only 4% of EMEA respondents and 6% from the Americas selected incumbents as drivers of change. This downturn in sentiment could, in part, explain why there has been a significant drop in the number of respondents expecting FinTechs to become FIs. Equally, this dip could reflect the rise of successful partnerships, negating the need for FinTechs to 'convert'.",
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