Explaining a 2022 fintech-is-dead presentation retrospectively, Malka says the earlier access opportunity matured and a group of established compounders could take incumbent share; he does not say financial innovation has ended.A September 2025 account of a 2022 presentation. Company prospects and the number of eventual winners are his thesis, not established future outcomes.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse
