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Financial Institutions Going Headless: Stripe, Column, Lithic, Plaid Now Compete Directly with Fintechs
A viral fintech thread (44 likes, 10K views) argues financial institutions are about to go headless — infrastructure providers like Stripe, Increase, Column, Unit, Lithic, and Plaid can now compete directly with the fintechs they previously served as plumbing. The thesis: when AI agents handle the interface layer, the companies that own the rails win, and the middleware fintechs that built value in UX/workflow get disintermediated from both sides.
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