"There is no denying 2015 was Fintech’s year.  Every start startup or VC conference had at least one panel dedicated to the subject.  What is fintech?  It is usually defined as subset of the tech universe which is focused on disrupting debt and equity transactions, payments, transfers, as well as asset management – basically applying disruptive technology to the financial services sector.

According to Accenture investment in fintech reached more than $12Bn by the end of 2014 and the hottest fintech market in 2015 was Europe, where investments grew by more than 200% compared to a year earlier.  In a strange twist, banks, and other financial institutions are already calling for more regulations to protect their industry from further disruption."

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