I was in conversation with the Chairman of a well-known FinTech company last week, during which he said that, "the problem with a lot of FinTech startups is that they are running around with a solution trying to find a problem." Not so Transferwise: it continues to successfully disrupt the peer to peer money transfer service.
Fintech Startup TransferWise Moves Away From Banks Working with banks created problems, especially in the U.S., where money transfers are overseen by each state
http://www.wsj.com/articles/fintech-startup-transferwise-moves-away-from-banks-1472488911