SINGAPORE (Dec 18): With financial technology (fintech) evolving considerably over the last few years, fintech investors will have to be increasingly selective in deploying their capital as some sectors and companies approach a “possible endgame”, suggests a new report by McKinsey & Company.

In its paper, Synergy and disruption: Ten trends shaping fintech, McKinsey postulates that various categories of fintechs will eventually either join forces or end up competing directly with each other as they mature.

These four categories of fintechs as outlined by McKinsey are:

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