What building a fintech startup actually meansA fintech startup is a young company that uses software to deliver a financial service that a bank or broker once controlled. Why the US market still has room for new entrantsThe American fintech market is large and, importantly, not locked up by a few giants. What it means for consumersFor consumers, the rise of fintech startups usually shows up as more choice and lower friction. What it means for businesses and foundersFor other businesses, fintech startups have turned finance into a feature. The hard parts: regulation and fundingTwo forces shape every fintech startup in America.