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      "text": "1. Trends around digital customers, new technologies, regulation and general market environment currently offer good conditions for FinTechs\n2. Most of the FinTechs are very young, confident and focused on parts of the value chain – Many solutions are not yet disruptive and their success is yet to be proven in the market\n3. FinTechs partially profit from a smaller regulatory burden and the established companies' \"legacy burden\" – But this might change and cause a shakeout\n4. In the medium term additional pressure will come from tech giants. FinTechs are seeking cooperation with banks/insurers – A potential win-win situation\n5. Banks and insurance companies need to be open to new solutions and learn from FinTechs' working methods – However, they must manage their digitization largely by themselves",
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