This document discusses the future of financial technology. It begins with a brief history of money and commerce, then defines financial tech as including payments, investments, and financial reporting done online and through devices. The document outlines how financial tech has democratized access to capital, sped up funds movement, and increased transparency. It discusses challenges like fraud and security that the industry faces moving forward. In conclusion, the future of financial tech is seen as improving transaction experiences through financing, digital currency, devices, identity management, and analytics services.