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USA 2023: Why fintechs shouldn’t become banks

NEW YORK, N.Y. — The failure of Silicon Valley Bank has set in motion a domino line of bank failures whose end is still uncertain.


If some are to be believed, it may be over already. Regardless, the crisis has brought issues to light and sparked debates stretching into the foreseeable future.


On Day One of Fintech Nexus USA 2023, Renaud Laplanche, CEO and Co-Founder of Upgrade, spoke about why being a fintech had allowed them to navigate the environment effectively.


“We’ve had some new reminders in the last few months of what it means to be the bank and the inherent risks,” said Laplanche. “We have a lot of people thinking about how to manage asset-liability mismatch, and SVB and First Republic is a useful reminder of the risks.”



Hugh Son, Banking Reporter at CNBC (right), interviews Renaud Laplanche CEO of Upgrade, Inc.

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