Partnerships between financial technology companies (fintechs) and banks have revolutionized the financial services landscape. The convergence of technology and banking has resulted in financial products and services being delivered faster and better than ever. Lending partnerships are the most prevalent type of fintech-bank partnership, and they can be structured many ways. Each unique program presents tremendous opportunities. For the close relationship between a fintech and a bank to succeed, the parties must strike the right balance in allocating a program's risks and rewards. Banking, Consumer Financial Services, and Fintech partner Alexander Callen discusses eight key issues along the risk-reward continuum that commonly arise in lending partnerships in Westlaw Today. The parties can improve the negotiation process and achieve better outcomes by considering these issues early.