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  "documentTitle": "Customers in spotlight FinTech banking",
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      "text": "Competition between banks and new entrants may give way to direct collaboration across the FinTech ecosystem.",
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      "text": "Figure 6: What challenges did/do you face in dealing with FinTech companies/incumbent banks?",
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      "text": "Percentage of respondents citing challenge: 42%",
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      "text": "Competition between banks and new entrants may give way to direct collaboration across the FinTech ecosystem. In this case, both parties should profit. Potential opportunities span from product design and development by the start-ups to distribution and infrastructure capabilities by banks. However, several major impediments inhibit business relations between banks and FinTechs. From the banks’ perspective, FinTechs lack the proper IT security and regulatory certainty, while FinTechs believe banks can be hard to work with due to differences in management and culture as well as differences in operational processes (figure 6). Misalignments aside, 42% of banks are already engaging in joint partnerships with FinTech companies, more than any other financial sector. Banks are also the most active of all industries in setting up venture funds to fund FinTech companies (19%), and are the financial industry’s frontrunners (together with fund transfer & payments companies) in white-labelling FinTech services.",
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      "text": "Source: PwC Global FinTech Survey 2016",
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