The financial industry has successfully blocked the entry of fintechs into the financial services market. But there is no reason for complacency; technology companies such as Google, Amazon and Alibaba are pushing forward the next phase of technological change, radically acting as platform-driven and harnessing the potential of data and artificial intelligence. The result of this is a far higher degree of autonomy and automation of machines; Conversely, users at least partly waive their autonomy – ultimately having a stronger impact on the financial industry in the future.
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