The Fintech Effect: Consumer impact and a fairer financial system` is a landmark survey conducted by Plaid, which reveals that consumers are experiencing significant benefits from using fintech, including improved financial well-being, increased access to the financial ecosystem, and reduced financial stress. The study found that 82% of consumers report getting better results with fintech, saving time and money, increasing their control over their finances, and reducing financial stress. Consumers also reported a median savings of $360 in bank fees and interest, and almost 4 hours per week in time saved. The survey highlights the growing adoption of fintech during the COVID-19 pandemic and its potential to create a more efficient, accessible, and equitable financial system. As fintech becomes the new normal, companies can incorporate these tools to benefit their customers, with innovation and trust being key to success.