The explosion of financial technology (FinTech) in the West, China and India has been widely reported. Meanwhile, Europe keeps itself busy with Brexit, Open Banking Platforms and PSD2 (Revised Payment Service Directive). China commentary is dominated by the rise of payment ecosystems driven by Tencent and Ant Financial. India has achieved tremendous progress by introducing the new electronic identity systems Aadhaar, a unified payment interface and payment bank licenses.

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