Modern connectivity is reshaping fintech by replacing risky screen scraping with tokenized, credential-free APIs that deliver faster, more reliable, and more secure data connections. A survey of fintech employees found 40% ranked product reliability as the top driver of retention, followed by onboarding success at 33%. Security and privacy were cited as the most important factors in connectivity by 55% of respondents, with accuracy and coverage also critical. Use cases span lending, payments, financial wellness, and digital banking, where instant account verification, seamless onboarding, and proactive insights reduce friction, minimize fraud, and deepen engagement.

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