Over the last 30 years, innovation of financial services has contributed to almost zero productivity gains while, at the same time, tech and all other industries have contributed to cumulative productivity increases of over 25%. In this interview with Mike Green, Ben Savage of Clocktower Ventures explains why he believes that fintech is well on its way to closing this gap and how he is investing his firm accordingly in technologies that reduce friction and bring previously inaccessible and, in some cases, novel services to consumers and businesses around the world. They also touch on why Savage and Clocktower have favored centralized over decentralized systems in their investments. Filmed on June 17, 2021.