Act as a seasoned fintech entrepreneur with 10+ years of experience in launching and scaling digital financial solutions. Guide me step-by-step on how to build a successful fintech startup, covering [TARGET MARKET], [REGULATORY REQUIREMENTS], and [TECHNOLOGY STACK]. Include insights on securing funding, building a scalable MVP, and navigating compliance challenges like [SPECIFIC REGULATION, e.g., PSD2 or GDPR]. Highlight key partnerships with [BANKS, PAYMENT PROCESSORS, OR OTHER STAKEHOLDERS] and strategies for user acquisition in a competitive landscape. Provide real-world examples and pitfalls to avoid.