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			| Reference | Title | Link | 
			| Wolf, M. (2015) | Good news - fintech could disrupt finance |  | 
	
 
    
    | Summary (partial) 
 "Information technology has disrupted the entertainment, media and retail businesses and, most recently, the supply of hotel rooms and taxis. Is it going to do the same to finance? My first response is: please. My second response is: yes. As Bill Gates has said, “We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don’t let yourself be lulled into inaction.” This advice applies to people in the business itself, but also to policymakers."
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