The future of fintech
概述了金融科技领域的发展，提出了包含十个主要领域的分类体系，并分析了其陷阱，适合想了解金融科技全貌的研究者。
Abstract This article describes the growing field of financial technology (fintech) and the different financial paradigms and technologies that support it. Fintech is primarily a disintermediation force where disruptive technologies are the drivers. This framework discusses 10 primary areas in fintech comprising a taxonomy, which categorizes research in the field and also proposes a pedagogical structure. Pitfalls of fintech are also analyzed. Overall, the great strides made in computing technology, mathematics, statistics, psychology, econometrics, linguistics, cryptography, big data, and computer interfaces have combined to create an explosion of fintechs.