Herein lies the giant opportunity: A massive shift in wealth has occurred East and its largely new wealth that has been created. Of this wealth, 40% sits in cash and deposits and is underinvested capital.  Fintech is allowing access to people who have never had access to the capital markets before and this is because a large number of the nouveau riche are tech-savvy entrepreneurs with a focus on functionality and user experience. The chart below shows that China is a world leader in the use of mobile phone users and those who can access their financial institutions via mobile. This is providing massive opportunities in areas like mobile banking, wealth management and robo advising.

http://cointelegraph.com/news/114617/the-great-wealth-transfer-east-62-of-new-millionaires-are-from-asia