“FinTech Wave-2 isn’t Digital, It’s Hybrid.” Lessons from Wave-1 and What’s Next?

Fintech represents the collision of two worlds — Financial services and technology, and with this union comes, both disruption and synergies. Fintech came of age in the aftermath of the 2008 financial crisis. New regulations and changing consumer demands began to emerge as the world tried to pick up the pieces of the “great recession”.

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