Comment: there are two schools of thought here. First of all, looking at the historical perspective we know the modern Fintech sector tracks its origins back to The Global Financial Crisis of 2009. So, possibly. Second, is yet-another payment Fintech going to disrupt? Nope. The Fintech bubble is already collapsing, the low hanging fruit has been harvested. We stopped seeing Fintech innovation perhaps two years ago. Its all derivative now.