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Putting the 'fin' back in fintech

The basis for fintechs: Tech should serve as a key enabler, not the sole driver of disruptive innovation.

An SGQR-enabled vending machine showing payment services accepted. Global fintech reached an inflection point in 2019, pulling in US$34.5 billion in venture capital across 1,913 deals, an 81 per cent jump from 2018.

IN RECENT years, as an investor and fintech geek, I have marvelled at how tech has helped unbundle and rebundle financial services. The International Monetary Fund (IMF), in an April 2020 essay, wrote about how digital financial services, powered by fintech, have the potential to lower costs by...

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