With digitalisation, blockchain and FinTech high on the agenda of banks, the disruption of financial services looks like a given. The question, however, is where will the definitive changes come from. Will it be distributed ledger technology, real-time settlement, the highly competitive payment space, the rise of crowdfunding, P2P lending or the new secondary markets for crowd equity projects? What if it was none of these, and yet all of them, under the umbrella of companies totally new to finance: China’s tech giants?
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