“Financial technology,” or “FinTech,” refers to the use of technology to deliver financial solutions. The term can be traced to the early 1990s, and now refers to a very rapidly growing industry. However, the sector has attracted the focused attention of regulators, industry participants, consumers, and academics only since 2014.

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This paper was presented in July 2016 at the 21st Melbourne Money and Finance Conference (MMFC), which explored the theme: Fintech and Financial Innovation.

For more papers presented in the conference, please click here.