奥纬咨询：2025年抓住银行宪章时刻报告（英文版）

2025 has become the year of the bank charter in the US, with a surge in bank licensing activity from fintechs and non-traditional applicants. Since January, 20 filings for de novo charters, bank acquisitions, or conversions have been submitted, representing an all-time high.1 This may only be the leading edge of a broader wave, given expectations of more filings in the pipeline. This presents a seeming paradox: Why would fintechs — known for their nimble, innovative go-tomarket approach — wil