Big banks need a reality check on fintech hopes and dreams

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Big banks need a reality check on fintech hopes and dreams
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Big banks, please stop trying to be fintechs

Look, things aren't even that good on that side of the grass. Have you seen fintech valuations? It's rough out there. Do you really want to play that game?are going to be looking for homes soon enough. Funding has dried up. Cash isn't cheap. And the public markets, don't even get me started on it.

So if you decide to go shopping for some of these startups, be upfront with them. Maybe you want them for their customers. Maybe it's a specific tool. Maybe it's just to kill the competition. Whatever the case, don't act like it's going to be business as usual after the deal. We both know that's not the case.

And if the management team doesn't love the sound of that, remember that money talks. Surely, you know that better than anyone. Nothing cures sadness like being able to cash out your equity.

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