Write a short paragraph (up to 5 sentences) with your thoughts/reflection on these points in the lectures:

- Some fIntech models have a focus on finance (or financial services) others on technology services. Explain with an example.

- An Open Innovation unit is a more collaborative model than a bank's innovation labs. Explain

- Incuments are generally more concerned with the cyber security risks of fintechs they work with than the other way round. Explain