11. What’s Next: Assembling Fintech Futures

This chapter wraps up features of fintech industry—its products, services, strategies, and consumers and introduces a framework to conceptualize how fintech will evolve in the future. Scenario planning has been the standard planning tool to prospect changes in markets, industries, and social dimensions of life. While this prospective technique is useful to foresee long-term changes, the heterogeneous social and technical features of fintech require a broader framework to encompass all participants, processes and routines, technological devices, and their complex web of interrelationships to provide managers with a broad picture on how all these components interact in layers of diffuse borders and cross-border flows of knowledge. Drawing on the theory of assemblage, a prospective framework is advanced and applied to fintech to gain insights on long-term changes.