Fintech stocks in 2022

$Upstart (UPST.US)$ $PayPal (PYPL.US)$ $Affirm Holdings (AFRM.US)$ I'm thinking of putting some money into fintech stocks for the year of 2022. I really like Upstart and believe that Paypal will have some interesting catalysts next year. I'm also thinking of picking up one of those "Buy now, pay later" stocks, like Affirm or Afterpay. My only concern is that I'm not sure how the financial sector will react to rising interest rates next year. What do you guys think?