So here we are, at the end of 2021. It has been another difficult year where most financial / fintech firms had to either change or innovate the way to do business, to make sure their numbers go up, or simply survive through the tough times. As a fintech news hub, Fazzaco is the witness of what the industry has gone through this year. So let us reflect, and move on to 2022 with our hope for the better.