In the banking sector aspect and according to the article "Cutting through the Fog: Finding a Future with Fintech" by Darpen Business Publishing, University of Virginia

1. What is fintech, and how has it evolved over time? Who are the major players? What conditions have contributed to the emergence of fintech?

2. What are the four options that Costa could share with her client? What are the pros and cons of each choice? Which one should she recommend and why?

3. What do the historical M&A data tell us about the fintech landscape? Which other alternatives could this bank focus on to create value in the fintech space?

4. What is the financial outlook for legacy banks in view of new entrants into the financial institutions space? Is panic from big banks justified or is fintech just a trend of the moment?

5. What is the impact of fintech on banks and the financial-services industry at large? How might the future look for banks and fintech companies?