The fintech wave, part two BankNXT

As mentioned in the first part of these two pieces, we talk a lot about fintech. We talk about it as though it is one thing, when in fact it is many. There are nuances to this market, which is over a decade old, that need to be fleshed out in more detail because, as with technology in general, some of this fintech is in the hype cycle, some is in the chasm, and some is coming into the mainstream as accepted. I call this the Chris Skinner Fintech Wave (loosely based on Gartner's Hype Cycle), which I didn't share in the first entry, but now that you know where I'm going, here it is: As you can see, some technologies are rising, some falling and some are now widely adopted, such as lending marketplaces. In this second part, I thought it worth discussing the remaining areas that are primarily generic technologies with a financial flavour, such as AI, machine learning, IoT and biometrics.