When you ask any thinking AI this question – “what is fintechnolization?” – you could get this answer (Microsoft Copilot): “Fintechnolization is a term coined by Ndubuisi Ekekwe, which refers to the trend of digital platforms evolving to offer financial services. Essentially, it means that many companies, even those not initially in the financial sector, are incorporating fintech solutions into their business models. This trend is driven by the high value and demand for financial services, making it a lucrative addition for digital platforms.
“For example, companies like Tencent and Alibaba in China, and Google and Facebook in the U.S., have integrated financial services into their platforms. This allows them to provide a more comprehensive range of services to their users and tap into new revenue streams.”
The AI tried and my real position is this: when digital platforms attend stable states, they are expected to add financial products. X (Twitter) is elevating that playbook with X Money account in partnership with Visa!
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What is X Money Account? “X struck a deal with Visa, the largest U.S. credit card network, to be the first partner for what it is calling the X Money Account…Visa will enable X users to move funds between traditional bank accounts and their digital wallet and make instant peer-to-peer payments, like with Zelle or Venmo.”
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Anywhere humans gather, there bound to be transactions of some sort. If the environment or platform does not integrate financial services, it means that people will go elsewhere whenever it’s time for money to exchange hands. For digital platform, fintech will more or less be the operating system, because money will always exchange hands. X is doing the needful. When you cannot build or don’t want to build, you partner, but ensure that the exchange money does not happen outside your orbit.