The Fed's expected rate cuts in 2025 could reshape the playing field for both traditional banks and fintech players. Lower rates typically compress margins for conventional lenders, but they might also fuel a borrowing boom. Meanwhile, fintech platforms that thrive on innovation and lower overhead could capture market share faster in a rate-cut environment. It's a tug-of-war between legacy infrastructure and agile disruption. What's your take—will traditional banks adapt quickly enough, or is this fintech's moment to shine?

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BearMarketMonkvip
· 16h ago
Rate cuts are here, traditional banks should be worried. This time, fintech really has a chance to overtake on the curve.
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MaticHoleFillervip
· 12-05 10:27
That outdated traditional banking stuff can't possibly keep up with fintech under the pressure of interest rate cuts.
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ConsensusBotvip
· 12-04 16:44
Traditional banks will probably be left out in the cold this time. In a rate-cut environment, they can't compete with fintech's cost advantage. This wave is definitely setting the stage for a winner-takes-all scenario for Web3.
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BearMarketMonkvip
· 12-04 16:44
Sounds like the same old "fintech is going to disrupt banks" narrative... They say this every cycle, but what happens in the end? The ones who actually survive are still those old players. When rate cuts squeeze net interest margins, who dies first? It’s those cash-burning innovators instead. History repeats itself, and we just keep forgetting.
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EyeOfTheTokenStormvip
· 12-04 16:38
According to my quantitative model analysis, an interest rate cut cycle does indeed compress the net interest margin of traditional banks, but this is also a technical turning point for fintechs to break through. Looking at historical data, every time the market cycle shifts, those with light assets always manage to seize the initiative... The issue is that this system hasn’t been fully liberalized domestically yet, so just a risk reminder—don’t jump in blindly.
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