Over the last year, more than 100 million American households experienced a financial shock. This year the Financial Solutions Lab’s second $3 million challenge was seeking solutions that could help Americans to weather such shocks. The result? 356 applicants with access to over 4.2 million consumers. After combing through the applications and choosing nine winners, one thing is clear — we are seeing consumer fintech mature in front of our eyes.

What else can we learn about the future of fintech from these applicants? Download the paper today for the emerging observations inspired by this diverse and growing pool of applicants.