An Introduction to Fintech

Introduction

This short webinar will deliver an introduction to the financial technology (fintech) industry; providing an explanation of the sectors being disrupted, the key drivers and business model of a typical fintech company, developments in fintech and regulatory issues.

What You Will Learn

This webinar will cover the following:

• What is fintech? Market size, growth drivers and the rise of embedded finance
• Which parts of financial services are being targeted?
• Banking - deposits, lending and global neobanks
• Payments and ‘BNPL 2.0’ - instant, card-linked instalments
• Digital assets - stable-coins, early CBDC pilots, tokenised real-world assets
• Wealth and asset management - micro-investing, automated saving, robo-advice
• Personal finance apps (PFM) - data-driven budgeting and cash-flow tools
• Insurtech - usage-based cover, climate-risk pricing and embedded insurance
• Embedded and open finance APIs - distributing financial products through third-party platforms
• Enabling technologies - generative AI, blockchain 2.0, biometrics and analytics
• Key financial services regulation - PSD3/Payment Services Regulation, MiCAR for crypto-assets, the EU AI Act, plus enhanced AML/Strong Customer Authentication
• Digitisation and data - why real-time data access has become a competitive moat
• Practical case study - Klarna AI Assistant: generative AI now handles approximately two-thirds of Klarna’s customer chats, cutting average resolution time from 11 minutes to under 2