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عمومی::
پیشگامان فین تک
ftis book has a twofold aim: on one hand, it aims to provide the big picture of the fintech initiatives, not only by giving insights on their evo- lution, their status, the main delivered innovations, but also by presenting business cases of successful companies.
It starts with the history of fintech initiatives, dealing with the different waves that have characterized their paths. fte rise of fintech ini- tiatives depends on many factors. ftey include supply-side factors, with the onset of the digital transformation, and demand-side factors, with the emergence of new life models. fte 2008 financial crisis also played an important role by prompting tighter regulation of traditional players and a growing sense of mistrust among customers toward traditional financial institutions.
Even if they attract large numbers of young customers, fintech initiatives will still struggle to reach a profit as long as younger generations' wealth remains low.
However, in the near future, thanks to fintech initiatives, a broader range of customers will receive this type of services. ftis is the only way the sector giants can survive the transition from consumers to users.
� the continuously increasing relevance of fintech initiatives; and
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