FinTech and financial service innovations grew at an unprecedented rate last year, with the rise of neobanks, the acceleration of digital banking, the explosion of bank-FinTech partnerships, and a massive increase in global FinTech funding.¹ This year, as FinTech continues to expand, we highlight three major trends taking center stage and defining how consumers interact with their banks and finances. These three trends – hyper-personalization; digital platforms and conversational AI; and embedded finance, have ease and convenience in common, and all help consumers manage financial tasks, wherever they happen to be.