FinTechs, TechFins, or banks – who will be the winner?

FinTechs vs. TechFins – what is the difference?
FinTechsare seen as partners of banks, rather than competitors – but how about TechFins?
What is the reputation of TechFins, comparing to banks? – does Gen Z and younger trust tech, rather than banks?
How much have banks invested into innovations, to stay competitive? (so far, banks have invested 1 trillion USD into innovations)?
Are banks able to work with data they have properly, to stay competitive, or do TechFins have bigger budgets and more data, giving them a competitive advantage?
Are date a strategic asset? What else is crucial for success?
Nowadays, banks sell a set of services, that can increasingly be offered by non-banks, too. How will the future product mix of a bank change?
Is the increase of services and diminishing of products seen as a trend?
Can FinTechs help banks to remain competitive?
Will there be a clear winner/looser in the long long-run – banks, TechFins or challenger banks?