Many regard FinTech as another example of technological disruption, but FinTech solutions need to integrate with existing systems in the financial industry, not replace them. As this report explains, "integration" between emerging technology and the entrenched financial services infrastructure is an ongoing challenge. There is much progress, but many hurdles remain.

Through interviews with financial, technology, and legal experts, author Mike Barlow explores efforts to make financial services platforms more developer-friendly. Many software architects see modular software based on microservices and service-oriented architecture (SOA) as the way forward, but the financial industry’s regulatory environment is a significant barrier to overcome.

Download this report and learn how FinTech startups are creating novel types of business models in Africa and Asia, where there are far fewer traditional banks, and in Europe and the US, where financial institutions generally avoid the market for small business loans.