How to Break Into Fintech as a Solopreneur

No Coding, No Banking Experience Needed

What is Fintech?

Fintech (short for financial technology) is an industry that merges finance and technology to improve financial services. It includes everything from mobile banking apps and digital payments to cryptocurrency, blockchain, AI-driven financial tools, and automated trading platforms.

Fintech is revolutionizing traditional finance by making it more accessible, efficient, and user-friendly. Some well-known fintech innovations include:

Digital payments (Cash App, PayPal, Stripe, Square)
Online banking (Chime, Revolut, N26)
Investment & trading apps (Robinhood, Webull)
Cryptocurrency & blockchain (Bitcoin, Ethereum, DeFi platforms)
Lending & credit (Affirm, Klarna, Afterpay)
AI-powered finance tools (robo-advisors, automated budgeting apps)
Insurtech (insurance technology like Lemonade)

How to Get Involved Without Technical Skills

Even if you have zero experience in finance or coding, you can break into fintech by leveraging your existing skills, identifying market gaps, and using no-code or white-label solutions. Here’s how:

1. Find a Financial Pain Point

Start by identifying problems in finance that need solving. Some of the most common struggles people face include:

🚫 High transaction fees

🚫 Difficulty accessing loans

🚫 Lack of budgeting or credit-building tools

🚫 Complicated investment processes

Example: Many people struggle to build credit. Fintech apps like Self (credit-building loans) and Grow Credit (credit-building debit cards) found success by filling this gap. You could do the same by targeting a specific niche with a unique angle.

2. Use No-Code Tools to Build a Fintech Product

You don’t need to be a coder to create a fintech solution. Leverage no-code platforms to develop a simple MVP (Minimum Viable Product):

Glide / Adalo / Bubble – Build apps without coding
Make / n8n / Zapier – Automate financial workflows
Stripe / PayPal / Square APIs – Enable digital payments

Example: You could build a financial goal-tracking app in Bubble, integrate Stripe for payments, and launch in weeks.

3. Partner with Developers or Use White-Label Solutions

If you’re not a developer, you can use white-label fintech solutions to launch a fintech business quickly:

Synapse – Launch a digital banking or lending app
Unit – Embed financial features (debit cards, accounts, lending)
Railsr – Fintech APIs for entrepreneurs

Example: Someone with no tech background can use Synapse to launch a niche digital bank (e.g., "Banking for Freelancers") without coding.

HOW TO BUILD A FINTECH APP

4. Become a Fintech Educator, Consultant, or Marketer

If building an app isn’t your style, you can still monetize fintech by helping others:

Marketing & branding – Help fintech startups grow.
Content creation – Create YouTube videos, blogs, or social media posts.
Affiliate partnerships – Refer users to fintech platforms and earn commissions.

Example: Fintech influencer Humphrey Yang grew his finance YouTube channel, landed partnerships, and now monetizes through fintech brand deals.

5. Sell Fintech Tools & Data Insights

Fintech isn’t just about apps; you can also sell knowledge-based products:

Digital products (e-books, templates, financial calculators)
Subscription services (paid newsletters on fintech investing)

Example: Finimize started as a finance newsletter for busy people and got acquired by Abrdn, a massive investment firm.

Biggest Fintech Innovations & Success Stories Since 2020

1. Buy Now, Pay Later (BNPL) Boom

Klarna, Affirm, Afterpay turned split-payment services into billion-dollar businesses.
Opportunity: Create a BNPL service for niche industries (e.g., "Buy now, pay later" for coaching or digital courses).

2. Embedded Finance & No-Code Banking

Companies like Unit and Synapse let people launch neobanks without coding.
Opportunity: Launch a niche digital banking service (e.g., banking for truck drivers, beauty professionals, or solopreneurs).

3. Retail Investing & Crypto Explosion

Robinhood, Webull, and Coinbase saw record growth from 2020-2022.
Opportunity: Educate people on investing and monetize through fintech brand partnerships.

4. AI-Powered Financial Assistants

Wealthfront, Cleo, and Digit use AI to automate savings and financial planning.
Opportunity: Build a no-code financial chatbot for budgeting, side hustles, or tax planning.

5. Personal Finance & Creator Economy Tools

Linktree and Ko-fi made it easy for creators to monetize, while Beem lets freelancers get paid faster.
Opportunity: A fintech tool for solopreneurs who need simple invoicing, tax-saving, or automated budgeting.

Final Thoughts: How to Make Money in Fintech Today

✅ Launch a fintech product using no-code tools.

✅ Become an affiliate for fintech companies.

✅ Start a fintech-focused content platform (blog, YouTube, newsletter).

✅ Offer fintech consulting (branding, marketing, or financial strategy).

✅ Sell data insights, digital products, or memberships.

🚀 Fintech is wide open for solopreneurs. You don’t need to code or work in banking. Just spot problems, use no-code tools, and leverage marketing or partnerships. Let me know which approach resonates with you most!