Necessity is often said to be the driver of innovation. Nowhere is this clearer than with the mobile-phone based money transfer and microfinancing service, M-Pesa, in Kenya, wherein the need to provide financial services to the under-banked population resulted in a truly transformative fintech solution. Yet, there is also a second cause of innovation: opportunity. Whether through necessity or opportunity, in the UK or globally, it is the fintech sector that is stepping in with innovations to address unmet financial and social needs.