A friend and I were talking about fintech recently, and one thing that stood out is how high people’s expectations have become. If an app is slow, confusing, or asks for too many steps, most users just move on. That pressure probably pushes banks and fintech startups to keep improving. What upcoming innovations do you think will matter most for everyday users? I’m especially interested in tools that could make budgeting, saving, payments, or financial planning feel less stressful.