FINTECH – Danger, opportunity or financial fact of life?

Abstract Earth view from space with fiber optic cables rising from major cities. (World Map Courtesy of NASA: https://visibleearth.nasa.gov/view.php?id=55167)
Financial Technology (FinTech) has been around longer than most of us would acknowledge, yet millions across the globe remain blithely ignorant of its uses and merits. Sadly, many in the developing world are effectively excluded from deriving full benefit from FinTech, but this is changing.