The following is a caption of TymeBank South Africa a FinTech based innovative bank that is fast shaping the landscape of financial service solutions and markets in South Africa. Launch the next-generation bank faster, affordably and with less risk. TymeBank South Africa aquired over 3.5 million customers in 25 months Source: https://www.tyme.com/who-we-are/tymebank-south-africa/ Discuss the implications of such FinTech innovations for (i) consumers and (ii) banks and the banking system