At this year’s Money 20/20, conversations went beyond payments and embedded finance to how technology can truly support America’s smallest businesses.
Two fintechs shone in the discussion: Hello Alice, which aims to make capital more accessible, and Bluevine, a banking platform tailored for SMBs and sole proprietors. Different strategies, same focus -- putting SMB owners first.
Most bank-fintech relationships start strong but struggle to evolve beyond basic services, leaving fintechs trapped between point solutions and the sophisticated infrastructure they need to scale.
Cross River's Adam Goller and Best Egg's Ritterbeck reveal how their 12-year partnership weathered three major market crises and evolved from simple loan origination into complex capital markets solutions, offering a blueprint for fintechs seeking partners who can grow with them.
