FinTech is a massively progressive industry but banking has been bogged down in legislative change for the last few years so has struggled to adapt to the new opportunities. However, the enforced transparency and electronification (ugly word) of the markets post MiFID2 for the IBs and the new mandatory glasnost of PSD2 for the retail banks means things are changing quickly. I like to talk about these things at length, but sometimes it's better to put thoughts on (virtual) paper.
Finally let me point out that all musings on this site are my own personal ones, and not associated with any employer, past, present or future.