Jamie Dimon, the chairman and CEO of JPMorgan Chase, raised some eyebrows last month with his direct assessment of the threat posed by fintechs to banks. But is he right? Penny Crosman, the executive editor for technology at American Banker, talks through why Dimon made that assessment and how it relates to the Durbin amendment, where fintechs are ahead of banks, and the areas banks still have key advantages.