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This article explores how the utilisation of technologies such as artificial intelligence (AI), blockchain, cloud and data have resulted in the fintech industry boom. It also looks at how AI is being used in traditional banking for user-account management and fraud detection, and how blockchain technology is being used to provide immutable shared ledgers to exchange information digitally. Lastly, it discusses the reservations around the use of particular technologies and how trust is the cornerstone of the fintech industry.