As 2021 comes to a close we share recent conversations with several innovators filling unique needs. Nathaniel Harley from MANTL and Jesse Wedler from Capital G, a growth stage fund backed by Alphabet, on modernizing bank infrastructure and digital account opening in 3 minutes or less, started for neobanks but pivoted to fill a void for larger, established financial institutions. Jimmy Chen, Founder & CEO of Propel on its new app to help low-income Americans better manage government benefits and take control of their financial health. Last, Javier Rodriguez Soler, Global Head of Sustainability and President of BBVA USA on BBVA’s recent partnership 500 Global, a platform to identify disruptive and sustainable technologies for financial services, as BBVA continues its focus on ESG. Opportunities abound as we head into the new year!