The World Economic Forum released their latest report on fintech. The report is titled "The Future of Financial Services: How disruptive innovations are reshaping the way financial services are structured, provisioned and consumed"The study, based on 15 months of interviews and workshops with executives from financial institutions and fintech start-ups, joins a flood of recent reports showing technology is eroding the bulwarks of the financial services industry just as it did in areas such as travel and entertainment a decade ago.