Recent discussions surrounding the role of self-regulatory organizations (SROs) and fintechs have highlighted their potential to enhance partnerships within the financial ecosystem. Experts Rohan Lakhaiyar and Vivek Iyer emphasize that a critical function of SROs and fintechs will be to monitor and address unethical practices. Meanwhile, the fintech sector is increasingly recognized for its ability to meet the needs of micro, small, and medium enterprises (MSMEs) through embedded finance solutions. In a related development, U.S. bank associations have called for greater regulatory oversight of the fintech industry, urging federal regulators to take a more active role in managing bank-fintech partnerships. This comes as fintech industry trade associations respond to a joint request for information (RFI) from federal regulators regarding these partnerships, signaling a growing focus on the regulatory framework governing fintech operations.