This guest post is from Victor Santos, founder and CEO of Boston mobile banking startup Airfox. His company is accelerating financial inclusion for all with an innovative, mobile-first financial services model that increases access to capital and banking services; in this post he reflects on the shifts that occurred in the 2010s which led to the fintech rise; looking forward to 2020 he believes there will be increased progress in serving those currently unbankerd, more big name partnerships and big tech entering the market; Santos also explores what he envisions for fintech 3.0. Lend Academy