Relationships between fintechs and financial institutions are more symbiotic than combative, especially for financial inclusion. They allow underserved populations to access products that are more convenient, less expensive and of higher quality. SME Finance Forum member Mambu says that they see that in their daily work with MFIs like Premier Credit in Kenya or telcos like Globe Telecom's Fuse in the Philippines. In this article, Mambu looks at the key ingredients of a successful partnership.