Mission & Vision

Our Vision

Fintech Future supports innovators breaking down traditional barriers to capital to ensure millions of Americans can easily and responsibly access the resources they need to realize their dreams.

Our Mission

Fintech Future supports responsible innovation that bridges the gap and breaks down traditional barriers to financial services in underserved communities. Responsible fintech innovation democratizes finance to create equity and give millions of Americans access to the resources they need to realize their dreams. By leveraging the latest technology, fintech creates economic justice and opportunity by delivering nimble and scalable financial, lending, and payment solutions for families and small businesses.

Through advocacy, public policy and coalition building, Fintech Future is committed to working with community leaders and organizations, government partners and regulators to support equal access to financial services while supporting policies and efforts that ensure the highest levels of compliance, accountability, and consumer protection.

How Fintech Reaches
Underserved Communities

For generations, traditional financial institutions have been the gatekeepers to generating wealth in America. This has created deep-rooted institutional biases and barriers that have prevented millions of Americas, particularly those who are from communities of color, women, or are low-income, from benefiting from wealth creation opportunities offered by the traditional financial services industry.

Today’s fintech innovators saw the market failure caused by the transitional financial services system and took an opportunity to disrupt the system and create new platforms  with the mission to be inclusive and provide solutions that reach families, businesses, and communities long left behind.

By the Numbers


Credit offers to subprime consumers are almost 30% more likely to be from a fintech firm, rather than a bank, compared with offers to prime (super prime) consumers.


Credit offers made to consumers who had experienced bankruptcy are 27% more likely to be from a fintech firm, rather than from a bank.


Mortgage credit offers to subprime consumers are 15% more likely to be from a fintech firm, rather than a bank, compared with offers to super prime and prime consumers

Paycheck Protection Program

1 in 4

Federal Reserve Bank of San Francisco research found that fintech lenders were critical to delivering PPP loans to underrepresented populations including Black-owned businesses during the pandemic. The research indicates that about 1 in 4 Black-owned companies applied with fintech lenders.


According to research from the Federal Reserve Bank of New York, 95% of large bank applications came from applicants who had an existing relationship with a bank. Fintech lenders were able to bridge the gap and provide financial support to underserved applicants, particularly those without a direct relationship.


According to the Federal Reserve Bank of San Francisco, fintech lenders’ loan sizes were smaller and the number of loans increased 5X from Round 1 (where fintechs were not initially included) to Round 2, while large banks’ loan sizes and amount remained relatively the same. The smaller loan sizes and larger quantity of loans facilitated by fintech lenders highlights how crucial fintech was in getting these financial lifelines to more and more small businesses with fewer employees that were most in need.

Join Us to Make a Difference

Help break down barriers to financial opportunity
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