There are always risks when implementing new inventions and technologies, especially in highly regulated or particularly sensitive markets. The Financial Conduct Authority (FCA) has an overall objective to ensure that financial markets work well -- maintaining consumer protection and overall market integrity. However, the FCA is also eager to promote competition in the interest of consumers, something that many new financial technology -- or FinTech -- innovations can provide. Traditional financial organisations can be hesitant to embrace new technology. However, it is important that the industry understands how this innovation brings positive market disruption by forcing adaptive thinking and processes.