Abstract
The FinTech revolution captures the simultaneous attack of a large number of technologies, notably mobile telephones and blockchain, which are ushering in efficiency or outreach to multiple niche markets. The use of mobile telephone technology has expanded Internet reach to the excluded, created possibilities for business where banks were not historically present and is potentially disruptive. The blockchain technology threatens to be even more disruptive as it may pull the carpet from under the monetary system as well as the property rights as we know them today. The proliferation of actors and innovators has created a confused landscape resulting in different possible scenarios, where banks may freeze, fight, form alliances with challengers, or be forced into flight by the BigTech.
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