You’re maybe generalizing a bit too much. I haven’t seen any N26 card here in Portugal besides mine and I would be really curious to see their numbers outside Germany. Stuff like paying for accounts are an immediate turn off for most people here and stuff like ATM limits are totally unheard of with traditional banks. The only thing fintechs can add over traditional banks besides intangibles like software experience is free fx, which is something no traditional bank offers, except for one or 2 credit cards on the market. That’s probably why Revolut is the only fintech gaining some traction here, tough only with their free offering.
I would hope fintechs start adapting their offerings to local markets just like traditional banks do when expanding to other countries