Gartner Research

The Three Types of Fintech and How They Impact Technology and Service Providers

Published: 28 October 2016

ID: G00317243

Analyst(s): Rajesh Kandaswamy


It is perilous to treat fintech companies early on as friends or foes. Fintech services are complementors, competitors or catalysts to financial services firms. Technology strategic planners who exploit the differences among them will seize growth in financial services in the future.

Table Of Contents
  • Key Challenges



  • Fintech Companies Act as Complementors, Competitors or Catalysts to the Financial Services Industry
    • Complementors to Traditional Financial Services
    • Competitors to Traditional Financial Services
    • Catalysts to Traditional Financial Services
  • Use the Characteristics of the Three Fintech Categories in Your Strategy
    • Key Fintech Domains Have Varying Levels of Activity for the Three Categories
    • Fintech Companies Can Expand and Shift Across These Types
    • Factor the Fintech Categories in Your Strategy

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