Global fintech : financial innovation in the connected world Fintech foundations : convergence blockchain big data and AI David Shrier and Alex Pentland Edge effects : bridging from old to new Boris Khentov Opening up open banking Markos Zachariadis and Pinar Ozcan Digital financial services David Shrier Policy & fintech : frameworks Oliver R. Goodenough Mark Flood Matthew Reed David Shrier Thomas Hardjono and Alex Pentland Policy & fintech : case studies Oliver R. Goodenough Mark Flood Matthew Reed David Shrier Thomas Hardjono and Alex Pentland Digital banking manifesto 2020 : the end of banks Alex Lipton David Shrier and Alex Pentland Regulatory sandboxes Oliver R. Goodenough and David Shrier Leapfrog for the growth of Africa Michelle Chivunga The rise of RegTech and the divergence of compliance and risk Amias Moore Gerety and Lev Menand On governance and (technical) complexity John DAgostino (with contributions from Sharmila Kassam) Responsible technology advancing trust and securing the ecosystem Ajay Bhall. Academic industry and government experts provide a global survey of the financial services sectors transformation by AI data science and blockchain.