The FinTech Book; Contents; Preface; About the Editors; Acknowledgements; 1. Introduction; Banking and the E-Book Moment; The Shifting Financial Landscape; An Unfinished Revolution; The Challenge to the Banks; The Utilities Risk; The Future for the Banking Sector; Why We're so Excited About FinTech; How Did it all Begin?; More than a Fuss: What Does FinTech Bring?; FinTech in the Developing World: Starting from Scratch; Banks, Beware!; Disrupted, Reimagined; Current Trends in Financial Technology; Regulation Supporting the FinTech Sector.Wearables, Foreign Exchange (FX), Bitcoin, and Blockchain Trends2. FinTech Themes; Banks Need to Think Collaboration Rather Than Competition; Global Compliance is Key; FinTechs Must Understand Each Local Regulatory Stack!; The United States: A Single Market with Complex, Multi-level Regulations; Europe: Still Complex but with Some Harmonized Regulations; Asia: Remains Very Fragmented; Payment Services are Globally Regulated; Local and Global Compliance -- Make, Buy, or Partner?; Lending (Capital) in the 21st Century; Data and New Technologies are the Key to Unlocking Credit Globally.Lowering Costs, Increasing Transaction FrequencyChange is Coming, Past a Bank Near You; The Next Big Innovation in FinTech -- Identity; If it Ain't Broke, Don't Fix it, Right?; Social Login; Twitter Digits; Apple Touch ID; Trulio; Tech Giants Becoming Non-Bank Banks; Design is No Longer an Option -- User Experience (UX) in FinTech; UX DESIGN = Big Bucks; A Definition for UX; UX and FinTech; An Example: Password Fatigue; Seven Guidelines; Conclusion; 3. FinTech Hubs; Nurturing New FinTech Communities; Lessons from a Leader; Location, Location, Location; La (French) FinTech Connection.France's International Centre of Excellence in Science and TechnologyFrance's Entrepreneurial, Investment, and Tax Environments; France's Regulatory Environment for Innovative Financial Services; France's Strategic Business and Geographic Positioning; France's FinTech Start-ups Association; The Journey Towards an Integrated FinTech Ecosystem -- The Netherlands; Netherlands in 2014; Seizing the Opportunity; The First Step; Early Choices; Business Model; Governmental Relations; Execution Challenge; International Relevance; Luxembourg, a Future FinTech Hub?Vienna as the No. 1 FinTech Hub in Mobile Payments?Specific Starting Basis for Mobile Payments; What Does this Mean for FinTech Start-ups?; Local FinTech-related Venture Capital Environment; Conclusion: Unlocking the Potential; India's FinTech Ecosystem; Innovation Areas; A Collective Hub; Singapore, the FinTech Hub for Southeast Asia; Drivers of FinTech in Singapore; Singapore's FinTech Ecosystem; Success Stories; Conclusion; 4. Emerging Markets and Social Impact; FinTech -- The Not So Little Engine That Can; Why Am I Not Gonna Be Able to Enter a Bank?; Supply-side Factors; Demand Factors.