Innovators around the world have heralded fintech as a force that will remake the storied financial sector. Investors agree. In the first three quarters of 2018 alone, venture capitalists invested $32.6 billion in 1,164 companies — almost double last year’s $17.9 billion invested globally. Already, fintech startups are impacting consumers lives: in 2017, an EY survey across twenty markets found that 33% of people were regular users of at least one self-characterized fintech product, a figure that has more than doubled since 2015. Remarkably, 13% were regular users of five or more fintech services.