Here’s the trend breakdown, including insight from our 11:FS team:

1. Removing friction from the customer journey
2. Rise of insurtech
3. Rise of regtech
4. PSD2 forces banks and fintech to partner
5. Reform of the bank boardroom
6. China and emerging markets focus
7. Chatbots, machine learning, AI
8. Fintech gets integrated with social media
9. Fintech gets integrated with the Internet of Things 
10. Platforms, APIs, and open banking are key
11. Blockchain moves out of the labs into the real world
12. Bonus! Cybersecurity is a big worry