It seems that today the community behind the product means even more than the code. Let’s take a look at Ethereum or Bitcoin or any other cryptocurrencies - they are completely open-source. So the code is not what is important. What is important is the community behind it.

Argent is actually an excellent use case from the fintech environment: the way they have been handling the product market is great, and also the fact that they're putting most of their work to the public gives them a strong advantage when it comes to transparency. It is a completely new way of building. 

The openness, the contribution to the open-source is the key in the modern fintech development space. I believe that in the future more organizations are going to need to be more transparent and the community-owned organizations are going to be on top.