1. The Two Distinct Types Of Fintech Innovation

    Fintech, the (faintly uncool) term for financial technology, is booming these days. But it’s wrong to think of fintech as a single sector. There are two very distinct types of fintech innovation that entrepreneurs, consumers, investors and regulators need to be able to tell apart. Finance is about transporting value, and that can either be transactional (i.e., payments, settlements and exchanges, including the provision of data) or intertemporal (i.e., investment, insurance and borrowing).

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