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In recent years, financial technology, or fintech, has revolutionized the way people manage their finances, prompting traditional banks to adapt and collaborate with fintech companies. One effective partnership model is horizontal layering, where banks and fintechs integrate their services to offer customers a seamless and comprehensive financial experience. This collaboration combines the technological innovations of fintechs with the established infrastructure of banks, benefiting both parties by enhancing service offerings, improving user experiences, and driving financial innovation. In this blog post, we explore the concept of horizontal layering, its benefits for banks and fintech companies, the potential challenges, and the future of such partnerships in the evolving financial industry.