Smart fintech players don’t want to own a bank. They abhor stifling regulations, the pain of servicing amountain of deposits, and jostling in a trade with wafer-thin margins. They have figured out another way to make money in the world of payments — by striking deals with other banks and finance companies that are willing to lend their balance-sheets.These banks issue credit cards and give loans, while the fintech firms spot customers, take care