Fintech: the next step in banking and finance

Abstract

Throughout this dissertation, we will analyse the major changes that digital revolution has meant to the financial world, and how this technological improvements have created new financial platforms which operate separately from the banking sector. We will detailedly examine the segment of financial Startups and how do they work by examining one of the most important Spanish Fintech in the crowdlending market. Overall, it is important to point out the influence of this technological developments for the society and the repercussion these have in traditional banking, which has experienced a big transformation that is allowing it to compete with this new financial players.