DeFi is truly changing fintech by opening access to finance without intermediaries. It is convenient, transparent and fast, but it is important to consider challenges such as regulation and security. Interestingly, creating a digital bank also requires a thoughtful approach, I just read on https://dashdevs.com/blog/how-to-build-a-digital-bank/ about how to build a digital bank. Infrastructure, user-friendly interface and reliable technologies are all key elements of a successful fintech product. Perhaps the future belongs to hybrid solutions, where traditional banking and DeFi will work together. The main thing is to find a balance between innovation and convenience for everyone.