New younger generation customers are driving the latest financial disruption. A young consumer who can open a social media account in few seconds wants the same speed and seamless experience while opening a bank account while being least interested in the backoffice or regulatory norms. This seamless user experience requirement, speed, availability at the fingertips at all times is driving the new FINTECH revolution. Be it the payments, insurance, wealth management, ecommerce, loans, investment or FX – anything and everything is getting affected by the new consumer and there is a blurring of the lines between technology and financial services.