Fintech Charters and Challenger Banks Driving Competition

Fintech Competition | Oct 21, 2025 New Data Show How Proportionate Licensing and Capital Models Boost SME Credit and Competition On October 8 2025, QED Investors and Oliver Wyman released Seizing the Bank Charter Moment (37 page PDF), tracking that fintechs filed more than 20 charter applications in 2025 (3x the number in 2023). The

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