If Fintech companies want to produce software for financial industry, they need to produce something that is easily customizable by the technical layman. Because nowadays, most of the Fintech products target at end clients or bigger dealer groups and institutions. For both end clients and groups dealers, they have different needs, which require Fintech software to provide customizations so that financial advisors do not have to spend money on customizations themselves.
According to the article, the trick to providing customized Fintech software is to release products that are targeted towards specific needs and in specific best-practice ways for financial advisors, but still give them the control in how they present themselves to their customers. Therefore, financial advisors can provide the best service to their customers with the help of Fintech software.
I think it is a very reasonable way to design Fintech software for financial institutions, but I feel it might not be as practical as it sounds. Because the economy world keeps changing and it is very likely that after you design a Fintech software with specific needs and launch it for a while, the trend of financial needs changes. When it happens, it would be very costly to financial institutions to change with correspondingly.
http://www.fintechbusiness.com/industry/643-ifas-being-left-behind-by-fintech-companies