The FINTECH Book

"Many are familiar with early stage investing. Many are familiar with technology. Many are familiar with disruption and innovation. Yet, few truly understand how different an animal is the financial services industry. Such vectors as regulation, compliance, risk, handling other people's money, the psychological behaviours around money and capital ensure that our financial services industry is full of quirks and complexities. As such The FinTech Book offers a refreshing take and knowledge expertise, which neophytes as well as experts will be well advised to read."

Pascal Bouvier, Venture Partner, Santander InnoVentures

"This first ever crowd-sourced book on the broad FinTech ecosystem is an extremely worthwhile read for anyone trying to understand why and how technology will impact most, if not all, of the financial services industry. It captures and highlights the disruptive forces at play. Start-up FinTech firms across the globe will have a profound impact on the future delivery of services to both institutions and individuals. This book is a terrific compilation of information and prescient thought that should prove useful to both financial services practitioners and users."

R. Todd Ruppert, retired CEO and President of T. Rowe Price Global Investment Services and serial FinTech investor and advisor

"Sometimes a book explains how the world has changed. Rarely, a book comes along that explains how the world is going to change in the future. This is one of those rare compilations that describe the fundamental changes taking place in how people live their lives. It portrays a world where, through a potent potion of technology and entrepreneurialism, power moves away from central banking institutions to local communities and the people within them. This book helps explain why London is the global hotspot for innovation in financial and payment technology. You won't be able to put it down."

Tony Craddock, Director General, Emerging Payments Association

"Finally FinTech is entering the mainstream vernacular such that more than just we finance, banking and payments geeks and innovators are aware of the revolution underway. If you're looking for a 'crash-course' on the FinTech industry, and the explosion of innovation that it's creating across the globe, look no further. The depth and diversity of views herein is staggering; a phenomenal compilation that will get you up-to-speed fast. Definitely worth a read."

Roy Vella, FinTech Expert, Public Speaker and Managing Director of Vella Ventures Ltd

"Fantastic to see a book on FinTech brought together by the community and written by the community. It will be valuable to anyone starting off in FinTech".

Nigel Verdon, Founder, Currency Cloud, Partner, Digital Change

"FinTech is about all of us - it's the future intersection of people, technology and money, and it's happening now there is an explosion of possibilities on our doorstep. Susanne and The FinTech Book paint a visual picture of the possibilities and make it real for every reader. A must-read for every disruptor, innovator, creator, banker."

Derek White, Global Head of Customer Solutions, BBVA

"FinTech is reshaping the financial experience of millions of people and businesses around the world today, and has the potential to dramatically alter our understanding of financial services tomorrow. We're in the thick of the development of an Internet of Value that will deliver sweeping, positive change around the world just as the internet itself did a few short decades ago. The FinTech Book captures the unique ecosystem that has coalesced around this sector, bringing together visionary entrepreneurs, innovative finance leaders, and forward-thinking policymakers to comment on the exciting changes taking place."

Chris Larsen, Co-Founder and CEO of Ripple

"There are few books out there that capture the pulse of how the internet is changing finance, but The FinTech Book has captured the views of many of the key players building the ValueWeb. It will prove an essential read to anyone wanting to know more about the next generation of banking, insurance and finance."

Chris Skinner, Author of ValueWeb and Chair of the Financial Services Club

"Over the next decade, the notion of what a bank is will be turned on its head - where bricks and mortar give way to apps, artificial intelligence, and decentralized ledgers. The FinTech Book comes at a perfect time when incumbents, start-ups, and investors alike are trying to grasp what this future holds, for the stakes of getting it right or wrong are truly enormous."

Greg Rogers, Executive Director, Techstars

"The FinTech Book provides an excellent open platform to hear from a wide variety of thought-provoking voices. True innovative change only happens with the support of collaborative ecosystems. The FinTech Book allows readers to hold this ecosystem in the palm of their hands,"

Liz Lumley, Director of Global Ecosystem Development, Startupbootcamp FinTech and InsurTech

"A truly indispensable guide for anyone who wants to understand the market dynamics of the FinTech revolution and the disruption behind it. Intelligent and thought provoking, you'll either be exhilarated by the scale of the growth opportunities or horrified that your world is going to change so fundamentally."

Dr Louise Beaumont, Head of Public Affairs and Marketing, GLI Finance Limited

"London has established itself firmly as a global powerhouse for FinTech. With the world's leading international financial centre and Europe's fastest growing technology hub, London is at the forefront of the latest innovations in financial technology and we are changing the way governments, businesses and consumers manage their financial affairs. We are also a city of great creativity, where new ideas thrive and disruption is welcome. All these ingredients will help London to become the FinTech capital of the world. It is important that we continue to promote the sector and shout about our successes. The FinTech Book not only provides valuable insight into the industry from some of the leading experts in London, but also shines a spotlight on what makes London an ideal destination for FinTech companies."

David Slater, Director of International Trade and Investment, London & Partners

"With many of the contributors to this book we shared the very first FinTech days, back to 2008. In the middle of the hype now, where often noise and relevance are intertwined, I am really happy to see so many meaningful thoughts and opinion pieces about what is certainly one of the biggest pivotal shifts in financial services."

Matteo Rizzi, FinTech Investor and Co-Founder, FinTechStage

"FINTECH Circle are at the forefront of the latest FinTech developments and innovation, and The FinTech Book reflects their open, collaborative and inclusive approach. It offers a unique insight into key trends in this industry to each part of the ecosystem - entrepreneurs, investors and service providers alike will connect with the dynamics captured here. Reaching out to such a wide range of experts provides unprecedented insight into FinTech, making this an interesting read for anyone interested in this space."

Axel Coustere, Founding Partner, The Hub Exchange

"The FinTech book is a great jumping off point for anyone looking to understand FinTech, especially in Asia. As this new kind of technology becomes more ubiquitous, resources like this book will become more and more valuable to both newbies and experienced hands."

Vladislav Solodkiy, CEO, Life.Sreda

"This book is a brilliant kaleidoscope of themes, success stories, and current and future trends in the financial technology space. A must-read for anyone who is interested in FinTech, it provides a solid overview of the various ways digital innovation can transform banking and finance."

Dr Markos Zachariadis, Assistant Professor, Warwick Business School; FinTech Research Fellow at Cambridge Digital Innovation, University of Cambridge

"There is a lot of confusion around what FinTech really is and how it could be deployed by existing financial services companies. This book is well timed as it cuts through the hype and allows the reader to review practical approaches from actual exponents and thereby educate themselves on where different technologies can be applied to their businesses."

Brendan Bradley, Chief Innovation Officer and Member of the Eurex Executive Board; Chairman of the Executive Board, Deutsche Boerse Asia Holdings Ltd

"The FinTech Book really lives up to its title. Janos and Susanne have not just succeeded in explaining the key trends, drivers and implications across a wide spectrum of FinTech themes (including payments, crowdfunding, advisory and cryptocurrencies), but have also clearly laid out the path forward, pragmatically detailing enablers such as regulatory / compliance management, analytic capabilities, and technical competency that are required to effectively capture and monetize the different FinTech disruptions. This is a truly cross-discipline, hands-on and comprehensive FinTech bible, which all players in the FinTech space, including investors, entrepreneurs, incumbent...