Europe provides some interesting examples for fintech bank chartering and licensing as companies SoFi and Varo lead the way in the United States; two top companies to watch include Tandem and Klarna; fintech company Tandem recently acquired a bank, Harrods Bank, which will provide it with GBP80 million ($103 million) of capital and a banking license if the transaction is approved; Klarna has also been a fintech banking leader in Europe; the Swedish payments company recently received a banking license and has reported deals with Permira, Visa and Brightfolk. Source
