In recent times, banks, financial organisations and technology companies have leveraged emerging technologies such as artificial intelligence, big data and blockchain to transform the global financial market at an unparalleled pace. The term ‘Fintech’, a blend of ‘financial’ and ‘technology’, has become a part of common vocabulary. Generally speaking, ‘Fintech’ refers to the application of technology in providing financial services. The Financial Stability Board (FSB) describes Fintech as ‘technologically enabled innovation in financial services that could result in new business models, applications, processes or products with an associated material effect on financial markets and institutions and the provision of financial services’.
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