@Peter_G I do think that some of your predictions are right regarding some of the fintechs falling by the wayside or being eaten up by the bigger players. 
My hope for the future is that those who do survive flourish in 2022
When I say flourish, I don’t mean lots of new features (although I hope that those that do want these get them too) for me, it means that they all find a way to profitability and continued success 