Modern technology makes a lot of things easier. The internet and electronic databases have revolutionized virtually every aspect of our day-to-day lives, including how we work, play and shop. The efficiencies derived from these new technologies and business processes have saved consumers countless hours and saved businesses billions of dollars.

The technology adoption curve varies from sector to sector, and the financial industry has been one of the leaders in adoption of mature “second wave” technologies as the case for the improvement in their bottom line is clear. As is often the case, financial technology startups have actually . . .

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