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Goldman Sachs: We're in the 'second wave' of fintech

The next stage of development in financial technology is going to be partnerships between big banks and startups.It's actually the third wave of the industry's development, according to Jeff Gido, Goldman Sachs's Global Head of Fintech in the investment banking division. He spoke at the firm's annual financial technology conference in New York earlier this month.Here's how he laid out the stages: In the first wave, regulatory changes, new technology and changing consumer preferences drove the big investments.
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