Brought to you by Sitwell Financial

An Introduction to
Financial
Technology
Fintech, simplified
 FinTech 101
What is Financial Technology or FinTech?

Banking Before and After FinTech

What to Know
Tip:
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A Brief history of FinTech
links
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to a
differe Challenges of FinTech
nt page
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How:
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What's Next for FinTech?
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What is Financial
Technology or
FinTech?
A combination of the words "financial" and "technology," FinTech is the
catch-all term that applies to any technology that helps consumers or
financial institutions deliver financial services in a novel, more
convenient way.
Banking Before
FinTech
• Long queues at banks
• Manual transfer of payments
• A ton of paperwork is involved
Banking
with FinTech
• People can track how their money moves in
real-time
• Online banking is available 24/7
• Users can transfer the money
instantaneously through banking apps
A brief history of FinTech

1838 1950 1982 2009 2013

The electric telegraph Diner's Club released The world was The first version Google Pay was first
was introduced for the introduced to of Bitcoin was launched, followed
the first time. first universal credit TradePlus, the online released. by Apple Pay in
card. brokerage platform. 2014.

Arner, Douglas. “The Evolution

of Fintech: A New Post-Crisis
Paradigm? By Douglas W. Arner,
Janos Nathan Barberis, Ross P.
Buckley :: SSRN.” Social
 25

FinTech segments 20

according to 15

transaction value 10

As of January 2021 5

Digital payments are leading the way followed by personal finance,

alternative lending, and alternative financing.
0
Item 1 Item 2 Item 3 Item 4 Item 5
The Role of
Cybersecurity
in FinTech
Protecting data is crucial
Because there's a lot of sensitive information involved in banking,
cybersecurity is non-negotiable. Financial institutions must have robust
cybersecurity measures to protect the data of consumers.
Challenges of
FinTech
 l
l
s
,

Where Fintech is now

r
i
g
h
t
-
c
l
i
c
Fintech-related Apps Solutions
k
They Offer

t
h
e
Payment Apps These apps ease the payment experience of consumers and business owners alike
n

c
h
o
Investment Apps These apps provide an easy and simple avenue for individuals to invest in stocks directly from your personal phones
o
s
e

"
Crypto Apps These type
M
of online apps allow individuals to use cryptocurrencies and tokens in transactions
e
r
g
e

C
e
Top Trending FinTech Risks
Dangers posed by FinTech to consumers

Money laundering risk Online hacking Digital identity risks

Regulations are yet Hackers can gain access Security codes and passwords could
to be improved. to your accounts. be easily accessed.
Rewards
Greater speed
Instant transfer of funds

of FinTech-
Enhanced transparency
driven There's a clear trail of where money goes

payments Better security

A closer look at the benefits of You can rest assured that your money
FinTech-powered payments will not go astray
What's next for
FinTech?
Looking forward to the future
Artificial intelligence and machine learning
will further infiltrate and improve FinTech.
FinTech has
transformed the
banking industry
for the better.
 Next-level data protection and encryption

Security best Secure code and architecture

practices of Secure authentication

successful FinTech Good mobile encryption

projects Compliance
Financial institutions must be
able to deliver an easy to
navigate, a seamless digital
platform that goes far beyond a
miniaturized online banking
offering.

Jim Marous
Do you have
any
questions?
Send it to us! We hope you
learned something new.
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