Which Incumbent Acts Most Like a Startup?

In the fast-paced world of financial technology, the line between traditional giant banks and agile newcomers is increasingly blurred. While many legacy institutions struggle with the weight of their own history, a few standouts are proving they can pivot with the speed and tenacity of a startup. At MoneyLive, we asked the attendees ‘Which Incumbent Acts Most Like a Startup?’

When it comes to survival and adaptability, NVIDIA was highlighted as a prime example. Having successfully pivoted numerous times over the years, they’ve shown a remarkable ability to survive and thrive through industry shifts—much like a “cockroach” surviving a nuclear war.

Other notable mentions included banks like J.P. Morgan, NatWest, and Revolut. There was also high praise for DBS in Singapore, a city-state already known for its futuristic approach to finance. While some were impressed by the moves made by larger entities like Deutsche Bank, many believe the real “main character energy” is currently coming from the neobanks and smaller institutions that are moving with significantly more agility.

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