Ashby Monk, Ph.D., executive director of the Global Projects Center at Stanford University and a senior research associate at the University of Oxford, explains why the world needs less "FinTech and more "invest-tech". While many would argue that the latter is simply a subcategory of the former, he does make a strong case for future of innovation in the institutional investing world via what he calls The Four D's: Disintermediation, Dissemination, Democratization and Dispensation.