Financial Technology (FinTech) refers to software, mobile applications, and other technologies created to improve and automate traditional forms of finance. Please research a FinTech trend for 2022 (some examples include digital banking, blockchain, artificial intelligence) and post a brief (three to four paragraphs) summary (cite your resources using APA format). Include the following in your summary: Description Example of companies or industries utilizing the technology Benefits of utilizing for the company and its customers Potential downside of utilizing the technology Any personal experience you have using the technology