Financial technologies, Fintech, not only offer new services, but reduce barriers to entry allowing for innovation. This digital transformation affects society in many ways, as financial services cut across many other services we use. There are some proven Fintech technologies, services and business models but there is still a-lot of uncertainty. There are alternative visions of finance’s future. Some change driven by Fintech can be achieved purely by competition, but wider change needs collaboration. This research extends an existing model and finds six Fintech business models that are optimised for AI and blockchain. Trust remains a challenge for Fintech, particularly when generative AI is used. Trust must be built by leaders even if this means sacrificing some of generative AI’s capabilities. The context of each country influences how much the pull for Fintech is from the consumers and how it is regulated. Even after the transitional period of disruption, it is unlikely that we will be left with a ‘one size fits all’ approach by all countries. This research identifies three themes in Fintech: (a) Fintech utilising blockchain, Decentralised Finance, cryptocurrencies and NFTs, (b) Fintech utilising AI and the metaverse, and (c) Fintech management, consumer behaviour, regulation and cybersecurity.