It’s difficult to open any media device these days without seeing or hearing something brilliant about the fintech revolution, often followed by doom and gloom predictions about retail banks becoming obsolete. Bill Gates once dismissed retail banks as “dinosaurs.” However, many of those same banks are still here more than 25 years after that remark was made! But while many banks may have been too indecisive to venture into fintech in the past, perhaps now is the time to make an affirmative decision about the future. After all, not making a choice is actually a choice itself.