Are fintechs your financial institution’s enemy or its savior. Or something in between. The correct answer is, all of the above.  In this episode of the Digital Banking Podcast, host Josh DeTar welcomed Don Shafer, the co-founder and chief evangelist at Quilo. Among other things, the two discussed how fintechs generally fall into one of three different “buckets.” They also looked at people's expectations from banking and tech, as well as why you shouldn’t close your branches.