1) My presentation @ our annual @a16z Summit this year bit.ly/a16zFintech The "Amazon Web Services" era has arrived for financial services. Who benefits most? Consumers! -> more choice, better & more affordable products, regardless of geography or socioeconomic demographic
2) Similar to what AWS did for compute and storage, new infrastructure companies are rebuilding each layer of the banking stack and providing modern software “as a service.” Thus, the cost and complexity of building or adding financial services is coming down. 
3) It will become easier to launch a FinTech company and easier for existing institutions to improve (finally!). Most significantly -- In the not-too-distant future, I believe nearly every company will derive a significant portion of their revenue from financial services.
4) Both consumer and B2B companies have the opportunity to better serve customers, better retain customers, and drive more LTV with the addition of financial services (e.g., Lyft via driver bank accounts or Toast via restaurant financing)
5) And the "as a service" infrastructure will keep getting better! We'll see the rise of more companies like @SentiLink, which helps combat synthetic fraud. That means FinTech founders will be able to focus on bringing their unique idea to market, not on rebuilding infrastructure
6) Over the next 5-10 years we will continue to see the launch/growth of new FinTech companies. Incumbents will improve; Brands we already love will launch new financial products. Financial service products will be affordable and accessible to everyone & we may even love them:)
