The Covid-19 pandemic has created unprecedented challenges to businesses. The unbelievable development of the Financial Technology industry expresses how much it supports business to generate income during this difficult period. There are many advantages created by Fintech and subsequently become attractive to all size of businesses. In the same spirit, investors and consumers too can capitalize on the technology advancement. 

a. Your uncle who is a small and medium business owner. He has limited academic background. He realizes during the Covid-19 pandemic he faces uphill task to reach out to his customers and deliver his products to them. His revenue dropped substantially. Subsequently he has accepted his friend's advice to create an alternative source of income by participate in online investment on Cryptocurrency. As for the first two weeks he has realized gain. One the third week made losses. Being newly exposed to term Fintech Technology and unfamiliar to the dark side of the fintech, your uncle approached you to seek clarification on Financial Technology (FinTech) related matters. Explain the basic meaning of the term Fintech. 

b. Fintech Technology is closely related with Internet of Things (IoT). 

Explain any FIVE (5) advantages and THREE (3) disadvantages of Internet of Things (IoT) in Fintech Finance for business entrepreneurs.