Fintech is a combination of financial and technology. This term is firstly mentioned by John Reed, a former chairman of Citicorp in 1990s. The implementation of Fintech in financial service industries has evolved significantly since 1959 which is signed by the introduction of automated teller machine (ATM) in Arlington/Ohio (Arner et. al. 2015). Since then, the Fintech has grown rapidly throughout the world. According to a study by Accenture (2015), the investment in Fintech has tripled from $4.05 billion in 2013 to be $12.2 billion in 2014. The emergence of Fintech disrupts the traditional business of financial services (Marr 2017).
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