Convergence 2021: The Guide
- Fintechs and FI's are converging in the same direction: becoming the home base of their customers’ financial lives.
- Read the full guide to see what we learned from JPMorgan Chase, Amex, Anchorage, Petal, and more.

Modern fintech's roots are in unbundling the bank. Startups carved out part of the banking journey and did a really good job delivering a modern customer experience. As these firms have grown, they've added in more products and services -- to the point that many aspire to be a Financial Super App: a singular app providing customers one point of contact to manage their financial lives. And we're just getting started.
On the other hand, traditional financial institutions are also expanding their product portfolios. They’re building their own products, as well as partnering with top fintech firms to more fully service their customers’ needs. In addition to web and mobile banking, an increasing number of FIs are getting into student lending and refinancing, investing, and commercial banking for small and medium sized businesses.
So, independent of their roots, financial services firms big and small are converging, both heading in the same direction: becoming the home base of their customers’ financial lives.
It was against this backdrop that Tearsheet hosted its inaugural Convergence Conference on September 14, 2021. We hosted leading professionals from firms spearheading the convergence of modern financial services, like JPMorgan Chase, Amex, Anchorage, and Petal.
We learned how...
- Chase, as the largest digital bank in the U.S., transformed its product and engineering team to agile
- Citizens Bank is using payments, BNPL, digital and an expanded branch footprint to service today's customers
- KeyBank's Laurel Road for Doctors has created an entire banking suite to service the healthcare industry and why it makes sense.
- Anchorage Bank is working with incumbent banks to transform them into the digital asset economy
… and so much more. Read the full guide.