The document discusses the opportunities in fintech presented by the 4th Industrial Revolution and exponential technologies. It notes that finance makes up 20% of GDP and is most likely to be disrupted. Fintech started in the 1860s with inventions like the Pantelegraph and has evolved through different phases. There are different types of fintech players including financial service providers, users, technology solution providers, and they can cooperate, coopete, or compete. The document suggests areas in fintech 2.0 to focus on include the underserved, improving user experience, lowering prices, customer wellbeing, analytics, technology, and adapting to regulation changes. It promotes starting a fintech venture through a Formathon event to build skills and