Answer follwoing questions from two of the category mentioned below.

- a description of this category

- what benefits these new technologies provide to customers

- how it is disrupting the existing Finance industry (e.g. Banks, Insurers, or whomever)

- who you think some of the winning companies will be

The categories are:

Lending

Payments

international Money transfer

Personal Finance

Consumer Banking

Equity Financing

Retail investment

institutional investment