How DeFi will change the shape of Fintech?

Recently, my team posted an article on Hackernoon. We analysed the trends and made some predictions about the use of DeFi, mobile-first and biometrics in finance in 2022. What are your thoughts? Do you have any predictions and opinion on what we've discovered? https://hackernoon.com/defi-mobile-first-and-biometrics-will-change-the-shape-of-finance-in-2022