FinTechs, Survival of the Fittest

It seems that these days, every time you read the news, another FinTech challenger has emerged.
While many of them have been around for a few years now, some are only just entering the market.
Some very innovative, others just looking for a solution to problems that don’t really exist.
Whilst I applaud all of their efforts to shake up the financial industry, I can see some of them falling by the wayside, especially when the investment cash starts to run out, they fail to make a profit or customers dry up.

Which, in your opinion will be the FinTechs and challengers that will survive, and which do you think will fail, and why?

Looking forward to the responses.