Creating strategic value through financial technology Lessons in innovation from key FinTech trends and successes Creating Strategic Value through Financial Technology explores the growing Financial Technology (FinTech) industry to provide insight on how traditional financial institutions and FinTech companies can boost innovation and enhance valuation in a complex regulatory environment. In plumbing the depth and breadth of several niches within in the FinTech sector author Jay Wilson uncovers key themes that have contributed to the industrys success; in this book he maps them together to provide useful guideposts for investors entrepreneurs and traditional institutions looking to facilitate growth as technology and financial services collide. With an experts perspective on FinTech history and outlook certain trends and examples of value enhancing strategies stand out. FinTech niches covered include: payments crowdfunding alternative marketplace lending the blockchain and technology solutions in the context of banking insurance and investment companies. There is no denying the growing importance of technology in the financial services industry and the FinTech sector offers valuable solutions for a diverse array of financial services providers and their customers. This book guides you through several niches of the FinTech sector and highlights the most important takeaways from recent endeavors. Navigate the financial technology sector Enhance customer and product offerings Improve efficiency and cost structure Enhance profitability and company valuation from the intersection of technology and finance Innovation and customer preference is a key driver of FinTechs growth. Customers are demanding better value and convenience and the organizations that provide it are reaping the rewards of growth. As financial regulations grow more and more complex and customers are presented with more and more options it is becoming imperative for traditional institutions to modernize processes and carve out a place in the future of financial services. Creating Strategic Value through Financial Technology provides a handbook for navigating that space with practical guidance on how FinTech companies and traditional financial institutions can enhance profitability and valuation from the trends Cover ; Contents ; Preface ; Acknowledgments ; Section One ; Chapter 1: What Is Financial Technology; Technologys Impact on Financial Services ; What Is FinTech and Who Are the Players ; Why the Hype for FinTech ; Why Is FinTech Potentially So Important to Society Conclusion Notes ; Chapter 3: The Historical Context for FinTech ; Introduction ; FinTech History ; Visa and MasterCard: The Largest IPOs in FinTech History ; Core Vendors ; Notes ; Section Two ; Chapter 4: State of Community Banks Embracing FinTech Today ; Introduction Government Regulation of Alternative Lending Platforms Conclusion ; Notes ; Chapter 6: The Payments Niche ; Trends to Watch ; Digital Currencies and Blockchain Technology ; Conclusion ; Notes ; Chapter 7: The Wealth Management Niche ; Introduction Overview of U.S. Community Bank Industry Trends Banks and FinTech Increasingly Intersect ; Serving More Customers Digitally ; Evolving Regulatory Oversight of FinTech ; Conclusion ; Notes ; Chapter 5: The Alternative Lending Niche ; The Mortgage Market ; The Consumer Lending Market Recent Trends and Market Conditions for the FinTech Industry Conclusion ; Notes ; Chapter 2: Community Banks and FinTech ; Is FinTech a Threat or an Opportunity for Community Banks ; FinTechs Potential Impact on Bank Valuation ; How Community Banks Can Help FinTech Companies