More than half of all banking customers have turned to fintech startups to cater for their financial needs, according to a global survey by Capgemini. But despite the considerable momentum enjoyed by niche providers, overall trust remains a key barrier to more widespread adoption. The World FinTech Report (WFTR) from Capgemini and LinkedIn, in collaboration with Efma surveyed 8000 financial services customers in 15 countries and conducted more than 100 interviews with senior industry executives at both fintech firms and traditional financial institutions.