IOSCO Research Report on Financial Technologies (Fintech)

This report shifts light on FinTech as the intersection of finance and technology and thereby illustrates key trends with respect to their risks and benefits.

Key trends are  greater availibility of data, exponential growth in computing power allowing the analysis of ever larger data sets, broader access to and the decreasing cost of goods and services, increasing disintermediation and re-intermediation, and demographic and generational changes, respectively.
Fintech applications are developing at an increasingly faster pace, creating new opportunities to achieve better outcomes for investors. At the same time, as with any change, new risks and vulnerabilities may arise. The report further points out that the changes already underway as a result of Fintech are substantial, in certain cases leading to disintermediation and re-intermediation, and in other cases testing the boundaries of full disintermediation through the use of technology.

As the scope of FinTech solutions for financial services are broad, this report might be from interest for a diverse readership.