The digitalisation of financial services (FinTech) is expected to prompt significant changes, with customers who have experienced first-hand how banking and financial services have dramatically improved in just a few years. Ongoing change challenges traditional business models and questions arise as to whether banking will be affected by digital disruption - as has been the case in other sectors - and if traditional banks will survive, evolve, or will give way to new FinTech start-ups. By looking at both the national and international scenario, this book provides a snapshot of the major characteristics and trends in the FinTech era. Technological progress, Internet innovation, disintermediation, customer experience and mobility are now established banking services and involve payments, financial transfers and investments. Bitcoin, blockchain, crowfunding, robo advisors, P2P lending, and alternative finance have entered financial terminology and contribute to establishing new business models and bringing together expertise from different sectors. With a view of foreseeing future trends and possible developments in this field, the author has involved ten international figures in the banking world, namely Yoni Assia, Mariano Belinky, Anne Boden, Rob Findlay, Nick Hungerford, Brett King, Michal Panowicz, Matteo Rizzi, Chris Skinner, and Andres Wolberg-Stok. This book is an enlightening read for experts in the field and consumers alike, and help those concerned to appreciate this digital revolution and the way it will affect relations between the parties.

Roberto Ferrari, Chief Digital and Innovation Officer Mediobanca group, has been General Manager of CheBanca!, digital and retailing bank of Mediobanca, until mid 2017 for over four years. Listed in WSJ's Financial News 2016 and 2015 Top40 Fintech powerpeople in Europe, 2017, 2016 and 2015 Power 50 digital banker in European digital financial services from Digital Banking Club London.