https://medium.com/@Michael_Spencer/the-app-clone-wars-is-getting-ugly-351d73da0d3 > There’s a new breed of apps for Millennials. Robinhood, offer us to invest for free. Revolut wants to be the “uber of banking”, Coinbase wants to be as regulated and ubiquitous as possible. For young consumers, there’s an entire new kind of app. We can just call them FinTech apps for starters. > Banks dislike these apps, they want to clone them. That’s just want a group of banks did with Zelle, to disrupt Venmo, the P2P payments app. One of my regular reads on TechCrunch, Sarah Perez recently wrote up a said statistic.