Fintech Predictions for 2017

For the 2017 year, David Klein of TechCrunch, has made five (safe) predictions on what he thinks will happen for the Fintech industry. I will make my prediction and provide reasoning on whether or not these things will come true this year.
Prediction 1: Fintech lending will further stratify as an industry
I feel that this will be correct, but not to the extent that he states it will be. Klein believes that from the 400+ lenders of 2016 will whittle down to around 10 lenders in total. I believe that this number will shrink but not to the extent that he believes, more likely there will be around 100+ lenders this year.
Verdict: Somewhat True
Prediction 2: The asset side of fintech will find its groove
I believe this will also be true because fintech companies are constantly looking for ways to disrupt traditional banking processes and digitize them for the 21st century.
Verdict: True
Prediction 3: M&A activity will start to become real
Similar to the same reasoning as the first prediction, there will be market consolidation as these companies become more established and companies will want to consolidate industry power.
Verdict: True
Prediction 4: Blockchain will have an impact on the financial services industry
I don’t really know what blockchain is or how it works. Because of this I really can’t make any comment on this prediction with any confidence.
Verdict: Unknown
Prediction 5: International investors will come to the U.S.
I don’t think that this prediction will come true. In my research I have found that there are robust fintech industries in foreign countries where investors are probably more keen an likely to invest. While the United States is a secure investment with minimal risk and decent interest rates, I believe foreign investors would rather work in their home country and try to develop a fintech company for their culture instead of a foreign culture.
Verdict: False

Article Link: https://techcrunch.com/gallery/fintech-predictions-for-2017/