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  "documentTitle": "Blurred lines FinTech 2016",
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      "text": "Figure 3: Areas of disruption",
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      "text": "Likelihood of disruption: 80%",
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      "text": "In keeping with changes already underway, the majority of our survey participants see consumer banking and fund transfer and payments as the sectors most likely to be disrupted over the next five years (see Figure 3).",
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      "text": "In consumer and commercial lending, for example, the emergence of online platforms allows individuals and businesses to lend and borrow between each other. Lending innovation also manifests itself in alternative credit models, use of non-traditional data sources and powerful data analytics to price risks, rapid customer-centric lending processes, and lower operating costs. In recent years, the payments industry has also experienced a high level of disruption with the surge of new technology-driven payments processes, new digital applications that facilitate easier payments, alternative processing networks and the increased use of electronic devices to transfer money between accounts.",
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      "text": "Source: PwC Global FinTech Survey 2016",
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