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1、GlobalFinTechAdoptionIndex2019AsFinTechbecomesthenorm,youneedtostandoutfromthecrowdForewordFinTechhasevolvedinsignificantwayssincewepublishedourfirstglobalEYFinTechAdoptionIndexin2015.ThatyearweobservedthatFinTech,whilenascent,was“clearlymorethanjusth
2、ype.”Ournextreport,in2017,foundthattheindustryhadgrownrapidlyandhad“achievedinitialmassadoption.”Forthisyear’ssurvey,weinterviewedmorethan27,000Thesethemesextendbeyondtheconsumerspace.Smallconsumersin27markets.WeexaminednotonlyhowFinTechandmedium-size
3、denterprises(SMEs)areincreasinglyusinghasimprovedandexpandeditsofferingsaroundtheworld,FinTechservices.Thesebusinessesconstituteadistinctbutalsohowithasspurredchangeacrosstheentirefinancialcustomersegment,withneedsthataredifferentbothfromservicesindus
4、try.FinTechstrivestomakefinancialservicesthoseofconsumersandthoseoflargecorporations.Thus,moreaccessibleforbothconsumersandbusinesses.BythisreportalsocontainsthefirstSMEFinTechAdoptionconnectingcustomerstoadigitalworld,FinTechenhancesIndex—asurveyof1,
5、000organizationsinfivemarkets.theirexperiences,makingthemefficient,economicalTohelpbringtolifethefindingsofoursurveys,weconductedandfrictionless.interviewswithawiderangeofFinTechs,includingstand-Thereareafewkeythemesinthisyear’sreport:alonechallengers
6、,financialincumbentsandnon-financialservicescompanies.Our2017casestudiesfocusedonhow•Nolongerjustdisrupters,FinTechchallengersFinTechacquiredcustomersandgainedmarketshare.Thishavegrownintosophisticatedcompetitors,withanyear,ourcasestudieshighlightscal
7、ingandexpansion—andincreasinglyglobalreach.howtheseorganizationsareworkingwithinanewcontext•Manyfinancialincumbents,suchasbanksandinsurers,forfinancialservices.offercredibleFinTechpropositionsoftheirown,Weexpectsomeofthenewerthemeswe’veidentifiedtocha
8、llengingthequestionofwhatisa“FinTech?”accelerate—includingtheentryofnon-financialcompanies•Theinteractionsbetweenchallengers,incumbentsandintotheFinTecharenaandthespreadofecosystems.Theplayersfromoutsidethefinancialindustryareformingpaceofinno
