Opinions expressed by Entrepreneur contributors are their very own. Till the Nineties, when digital banking was in its infancy, essentially the most superior items of monetary know-how (fintech, for brief) have been ATMs. Huge banks dominated supreme, and until you belonged to a group financial institution or credit score union, they have been basically your solely alternative for small-business financing. Now we’re within the period of a unique sort of financing big — the omnipresent tech firm — suppose Amazon and PayPal. Nevertheless, as we collectively emerge from the Covid-19 pandemic, clients have begun to position a better worth on particular person relationships — one thing nonetheless missing in most…