1. AI/ML – providing a tailored approach to customers, identifying their ability to repay or intention of fraud. 2. API Platforms – enables easy collaboration with non-financial institutions to discover and deliver better products for end customers, reducing costs. 3. User Interface – Advanced bots to serve customers 24/7. 4. Blockchain – security, reliability, transparency and automation. 5. Cybersecurity – lots of data in the fintech industry needs to secure.