This outpouring of innovation and investment has spread across the financial sector, spanning mobile banking, small business lending, financial advisers, credit scoring, savings and more. 

Given all the money flowing into fintech, it might seem that the biggest, most glaring problems have been solved. And yet, despite the unbelievable amount of financial innovation and technological progress that have transformed other sectors, there are entire swaths of the financial industry that have not changed. 

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