“ FINTECHS ARE FIRST AND FOREMOST TECHNOLOGY SPECIALISTS ”

When arriving at a crucial moment , the analogy of a crossroads is often employed . The implication is that a decision must be made , a path decided upon . Today , organisations are becoming ever more used to these moments . Emerging technologies and the presence of disruptors in all industries means firms must adapt or be left behind . In the world of banking , incumbents must now contend with challenger banks and an ever-growing number of BigTechs and fintechs . Using new technologies and programming languages , and working with more modular architectures , these firms can develop new products and services that meet the needs of the banks ’ customers with ease .