According to Capgemini and Efma’s World FinTech Report 2020 six percent of global banks and more than fifty percent of fintechs have yet to find the return on investment from partnerships; process barriers and legacy technology have been two of the biggest issues facing partners; seventy percent of fintechs say process barriers are their biggest frustration and only twenty one percent of banks say their technology is nimble enough to work with fintechs; the report recommends that fintechs still try to partner with banks to help reach a wider customer base and gain a greater degree of trust; choosing the right partner is the key because if the partnership is not a match then both companies will waste precious resources. Business Insider