May 19 Changed Everything — Here’s Why Fintech Is Now Center Stage

Imagine burying your paycheck in the backyard and just hoping no one finds it.

It sounds silly today, but before banks were part of everyday life, that’s exactly how people tried to keep their money safe.

They’d stash gold, silver, or other valuables in safes — or literally bury them — always at risk of theft or damage. Bartering goods and services worked okay in small communities, but it made bigger transactions a nightmare.

Deals were often sealed with a handshake or scribbled on paper, which meant records could be lost, misunderstood, or even faked. And if you needed a loan? Your only option might be a wealthy individual who set the terms entirely in their favor.

Now, while some form of banking has been around for thousands of years, the real game-changer came during the Industrial Revolution (around 1760 to 1840). As factories, railroads, and big business took off, the old ways of handling money just couldn’t keep up.

That’s when investment and commercial banks started stepping in by offering the kind of capital and structure that booming industries needed. And as more people joined the workforce, banks began offering deposit accounts, giving everyday folks a safer place to store their money.

Banks then became trusted entities for businesses and individuals, with over 14,000 in the United States by 1983.

What took centuries to build was eviscerated — fast. 

By 2022, due to failures, consolidation, regulatory issues, new technology, and changes in consumer behavior, that 14,000 total from 1983 was slashed by 71% to just 4,135 banks.

Of all those triggers, new technology may have been the biggest: Banks have been slow to embrace the digital age due to a mix of regulatory issues, decades-old legacy systems that’s difficult to update and a general philosophy of “risk aversion” when it comes to the adoption of anything that could introduce vulnerabilities.

It’s understandable, but compiled together, that led to a new breed of finance companies offering “work arounds.”

We’re once again in a time of change — a digital-first period we’re calling the Fintech Frontier. 

✔️Checking and brokerage accounts.

✔️Apply for loans.

✔️Check balances.

✔️And transfer money …

All through a smartphone.

Essentially, everyone has a bank in their pocket.

This convenience has racked up nearly 200 million registered or funded accounts for just four fintech companies we’ve been watching, and they continue to add to those totals quarter after quarter.

But what those companies have accomplished hasn’t translated to respect on Wall Street.

Analysts questioned — and some still do — whether these products and services from this new school of financial operators are truly transformative or just promotional.

They’re wondering whether these companies are truly opening the door to new asset classes for everyday investors or if it’s just another hype cycle, like the ones we’ve seen since the dot-com boom. 

And they questioned if these business models could truly grow a new generation of financial leaders.

That kept these companies standing at the gates, leaving them waiting for their moment to be legitimized in Wall Street’s eyes.

And then, on May 19, everything changed …

When the Fringe Becomes the Framework 

Just a few months ago, the same institutions that once viewed the Fintech Frontier with skepticism quietly made room for it.

They had to, as one particular company smashed through thresholds for valuations and profitability — it had become too big to ignore.

May 19 was the signal that the future of finance was no longer on the fringes — it was in portfolios; from index funds to retirement portfolios.

We didn’t know May 19 would be the exact date this would all unfold, but we knew the Fintech Frontier was a storyline worth following. That belief guided our research and led us to four standout companies driving the transformation…

We released a report to the “Inner Circle” of Stock Picker’s Corner (SPC) readers, SPC Premium, on May 5.

Our “Inner Circle” of readers are part of a community that values:

• Clarity — no jargon, just real insights.

• Conviction — the courage to act on research-backed ideas.

• Consistency — a disciplined approach to long-term wealth building.

Since that report?

✅Shares of the first company “only climbed” 60%.

✅Shares of the second jumped 64%.

✅Shares of the third soared 139%.

And with the fourth company, since we began coverage last year on July 20, shares have climbed 267%.

If you missed out on any of those gains, that’s okay, because we still see plenty of firepower behind this Fintech Frontier storyline. Also, because of that long-term potential, any pullbacks offer an opportunity to use Chief Stock Picker Bill Patalon’s “Accumulate Strategy.

That’s how you build real wealth.

Instead of investing all at once, you start a foundational stake in the companies that fit your risk-tolerance levels and into your investing goals. Then, on pullbacks, you acquire more shares.

If you want to take a less active approach, you can also automate your investments, setting up a fixed dollar amount to purchase shares on a weekly or monthly basis.

That lets you tap into the power of Dollar-Cost Averaging (DCA) without ever having to worry about buying into the “highs” of a market or trying to time it.

And once you get into a routine, you rarely “miss” the small amounts you’re investing. It becomes second nature. And over time, those small, consistent moves can lead to big results.

But those strategies only work if you know where to apply them — and that’s where our four fintech tickers come in.

Let’s revisit the four companies and share their tickers, unpacking why May 19 marked a transformational moment in the Fintech Frontier…

The Four Leaders of the Fintech Frontier 

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