offers a detailed, user-friendly examination of the technologies and products reshaping the financial technology industry from leading global scholars and practitioners. Innovative companies can review the state of the industry in a way that may allow them to envision their role or niche in this fast-growing, ever-evolving industry. Most importantly, incumbent firms can view the rate of change and plan for how they can keep pace with these innovations to profit from change. Given the interplay among rapidly evolving regulations, technologies, and products, academics, practitioners, and students should view fintech's risks and potential opportunities from this holistic perspective.