In this episode, hosts Gustav and Johan discuss the key happenings and takeaways in the fintech space for the year 2023. Major topics include the Silicon Valley Bank explosion and its effect on the venture, investment and fintech ecosystem, the volatile year for cryptocurrency with examples like Binance's regulatory issues and Solana's rise, the failure of Apple and Goldman Sachs' collaboration, the improvement in AI-assisted banking and payments and how open banking is gaining market traction. The episode wraps up with predictions for the future, including trends in cryptocurrency and AI affecting fintech, followed by the hosts' picks for the year's major 'flips' and 'flops'.