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The marriage of finance and technology has given rise to new players that are transforming the financial industry. Many of these fintech firms deliver more economical, flexible, user-friendly services, disintermediating financial services and capturing a considerable part of traditional banks' market share. The days of banks serving as the only access point to the financial system are over. Instead, new technologies are ushering in new forms of affordable financing; faster, more efficient payment methods; and better customer service. This article shows how pioneering fintech business models can afford greater speed and efficiency, personalization, automation and easier access, while reducing many of the problems that have long plagued traditional financial exchanges.