It starts with a dream. Many startups begin with the idea that they will change the world. In the fintech world, you are only limited by imagination. And your engineer’s coding skills, of course. Fintech startups are finding opportunities in the disintermediation of banks and emerging 2015 trends: crypto-currency technology, convergence in payments, focus on customer experience, user authentication security, and alternative models of lending. The hard truth, however, is that about 9 out of 10 startups fail. Launching and growing any business can be a challenging experience.

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