Hey!The largest U.S. banks just reported their fourth quarter and full-year 2024 results. And you know what? Banks are doing really well. This made me realize that, unfortunately, despite almost 30 years of trying, Fintech companies have not disrupted banks. At least, not the big ones.Yes, there are examples of Fintech companies challenging banks in some areas, but they hardly challenged the key banking model - taking deposits and issuing loans. Until these functions are not disrupted, we cannot...