27

Payment services, insurance, compensation, compliance, credits, crowdfunding, wealth management, microfinance, and other virtual transactions are all terms that echo the immersion of financial technologies in the field of management. The development of fintech is likely to affect or even reshape the structure of markets. While everyone is affected by these developments, both in their private and professional lives, it seemed important to us, in the context of this thematic issue, to speak to the actors who work with fintech on a daily basis. These shared views bring together experts: Philippe GELIS, Arthur JACQUEMIN, Bertrand ANNETTE, and Frédéric PAYEN. These day-to-day players discuss the origins, financing, competition with traditional players, and how fintech is disrupting historical models and future prospects with regard to regulatory constraints.