Evan Sparks and Shaun Kern chat with ABA's Rob Morgan and Lisa Gold Schier about the top fintech trends that bankers need to be aware of -- and start planning for --over the next several years, including digital lending, biometrics, big data and regtech. And Lisa explains what ABA looks at before it endorses a new product, especially when you're dealing with a tech startup whose hoodies and sneakers might not match the culture at a bank.