It used to be that financial services companies and technology companies traveled side by side, sometimes on the same roads but not usually in each other’s lanes. But now, the lines between financial services and technology firms have blurred to the point that the roads are a free-for-all and previously distinct sectors are colliding. Many technology companies are applying for financial services licenses, and financial organizations have begun calling themselves technology companies.


Fintech, or financial technology, is at the epicenter of this transformation. The financial and technology industries are both using it to sharpen operational efficiency, lower costs, improve customer experience, and heighten the appeal of their products and services. They’re also carving out new commercial possibilities. “Digital-only banks are offering redesigned client propositions and cost profiles. Investment managers are deploying fully customized Robo-advice. Insurers are using sensors to monitor people’s health and help prevent illness. And according to a recent PwC survey, consumers are ready for the digital shake-up.” The question is no longer whether fintech will transform financial services, but which firms will apply it best and emerge as leaders.


In this eBook, we have included the latest financial services industry analysis and trends, specified emerging technologies in the financial services industry, listed disruptive startups in the fintech industry, and discussed innovative fintech business models that can be adopted to transform into a successful fintech company.