“Three aspects of the financial services industry were revolutionised by fintech: the business model, the operational model, and most importantly, the customer experience. It’s fascinating to see how fintech replicates the familiar sensations associated with social media and other popular apps.”

“Financial inclusion matters because everyone needs societal protection, a fundamental right for any government or anyone to include people. This is the intersection of socialism and capitalism, so banks are looking at how to drive their own business for their shareholders.”