As we look to a New Year, it is hard to say what 2017 has in store thanks to the level of uncertainty that 2016 leaves in its wake. One thing for certain, however, is that 2017 is set to be an eventful and thrilling ride for FinTech with many factors and potential obstacles on the horizon which still challenge the sector. In today's society people are effectively running their whole lives from their mobiles: reading the news, online banking, heating their home and maintaining relationships. Payments are a part of that so it is expected that the numbers to climb further next year. Smartphone sales are reaching saturation point in developed markets, and the growth of technology adoption today are now firmly fixated on emerging and developing nations.