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      "text": "FinTech has evolved in significant ways since we published our first global EY FinTech Adoption Index in 2015.",
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      "text": "No longer just disrupters, FinTech challengers have grown into sophisticated competitors, with an increasingly global reach. Many financial incumbents, such as banks and insurers, offer credible FinTech propositions of their own, challenging the question of what is a \"FinTech?\" The interactions between challengers, incumbents and players from outside the financial industry are forming FinTech ecosystems that are replacing traditional bilateral partnerships.",
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      "text": "Gary Hwa, EY Global Financial Services Markets Executive Chair and EY Asia-Pacific Financial Services Regional Managing Partner",
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      "text": "For this year's survey, we interviewed more than 27,000 consumers in 27 markets. These themes extend beyond the consumer space. Small and medium-sized enterprises (SMEs) are increasingly using FinTech services. This report also contains the first SME FinTech Adoption Index-a survey of 1,000 organizations in five markets.",
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      "text": "FinTech has evolved in significant ways since we published our first global EY FinTech Adoption Index in 2015. That year we observed that FinTech, while nascent, was \"clearly more than just hype.\" Our next report, in 2017, found that the industry had grown rapidly and had \"achieved initial mass adoption.\"",
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