Financial technology, or fintech​, is a financial services sector that emerged in the 21st century.Essentially, fintech is any technological innovation in the financial sector. This can include advances in financial education, retail banking, investment and crypto-currencies. Examples of fintech include: Stock trading apps and websites, Peer-to-peer lending sites that open competition for loans, thereby reducing rates, Robo-advisor services that provide online, algorithm-based portfolio management, All-in-one online personal finance management, and Budgeting tools. Fintech has four categories of users: Business-to-business for banks, Business-to-business for banks’ clients, Business-to-client for small businesses, and Business-to-client for consumers. The fintech industry is growing rapidly, and its growth is expected to continue.