FINTECH BANK
At Fintech Bank, we empower individuals and businesses with innovative, secure, and accessible financial solutions.
Our mission is to redefine banking through cutting-edge technology, seamless digital experiences, and unwavering trust.
We are committed to driving financial inclusion, fostering growth, and shaping the future of finance, for all Americans.
Money Services Businesses
Fintech Bank will be a long-term, loyal partner for non-banks
MSBs cater to unbanked and underbanked populations, which make up around 5.9 million households (or 4.5% of U.S. households) that do not have a bank account.
Beyond these numbers, 59% of Americans don’t have enough savings to cover an unexpected $1,000 emergency expense. Additionally, 32% of adults would struggle to cover a $400 emergency expense without borrowing or selling something.
As they do, MSBs become more engaged and critical.
Fintech
The U.S. fintech market is evolving rapidly, with companies offering innovative financial solutions without necessarily holding a traditional banking license. Many fintechs operate in areas like payments, lending, wealth management, and digital banking, but without a banking license, they often rely on partnerships with licensed banks to provide services.
Revolut’s CEO admitted that growing without a banking license was a mistake. Fintechs that issue loans, process payments, or hold customer funds could benefit from partnering with a bank that understands their needs and those of the regulator to allow them to:
- Offer deposit accounts without relying on partner banks.
- Expand lending services with more regulatory control.
- Access Federal Reserve payment systems for faster transactions
Focused On Trust and Inclusion
Knowledgeable Bankers, Lawyers and Technologists who understand the opportunity of an inclusive digital world.
"At Fintech Bank, we believe that financial services should empower, not exclude. By harnessing innovation, accessibility, and trust, we are building a banking experience that works for everyone—regardless of background, income, or geography. Our mission is to close the financial gap and ensure that every individual has the tools to thrive in the modern economy."
Dan Wheeler - Founder
A successful digital bank isn’t just about sleek apps and fast transactions—it’s built on a foundation of expertise, regulation, innovation, and accessibility.
The synergy at Fintech Bank between lawyers, bankers, and technologists is what enables scale, fosters inclusion, and builds deep-rooted trust
Scale, Inclusion and Deep Rooted Trust.
Fintech Bank is on a mission to redefine financial inclusion, ensuring that banking is accessible, secure, and empowering for everyone—no matter their background or circumstances. Achieving this vision requires collaboration across key stakeholders: regulators, fintech innovators, and money service businesses.
By fostering open banking frameworks and systems, together we can empower secure, transparent fintech solutions that expand access to underserved communities and remove the barriers to banking for millions.
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Connecting the Dots
A digital bank thrives when 3 core disciplines collaborate. This triad forms the backbone of a digital bank’s long-term success, scalability, and customer loyalty
Innovation Tecnology
Innovating & Securing Digital Banking
- Our engineers and data scientists develop AI-driven automation, fraud detection systems, and seamless user interfaces.
- Cybersecurity specialists ensure robust defenses against cyber threats, reinforcing customer trust.
- UX designers and AI architects optimize accessibility, making digital banking intuitive and inclusive.
Banking
Driving Financial Strategy & Inclusion
- Our banking professionals provide the expertise to structure products that are accessible yet profitable.
- They focus on financial inclusion, ensuring digital services cater to diverse demographics, including underbanked populations.
- Their role also extends to risk management—safeguarding customer assets while enabling scalable growth.
Regulation
Ensuring Compliance & Trust
- Digital banking operates in a heavily regulated space, requiring legal experts to navigate financial laws and ensure ethical practices.
- Our legal team helps craft policies around data privacy, fraud prevention, and consumer protection, which are vital for maintaining public confidence.
- They bridge the gap between innovation and regulation, ensuring emerging fintech solutions remain compliant.
Fintech Bank is in organization and is not yet engaging in the banking business.