As TechFins grow, their established international networks and the data they already provide to financial servicesfirms may showcase opportunities to offer services directly to their customers Ability to reduce transaction costs, provide a more comprehensive dataset, and thereby improvedecision making results in increased inclusion for those previously outside the scope of larger institutions. Source: https://www.harnham.com/us/the-future-of-banking-from-fintech-to-techfin