A new study by Mastercard and Harvard Business Review reveals that fintech has so far had a limited impact; the 300 executives surveyed by the study said the next three years could have a big impact on revenue and earnings; Mastercard Chief Product Officer Michael Miebach sat down with the TearSheet podcast to discuss the report and the areas most ripe for disruption; the interview also goes on to cover partnerships & integrations, data and personalization of offers and how fintechs can best compete against banks. Source.