Bernardo Nicoletti is Professor of IT Procurement at the University of Tor Vergata, Rome, Italy, and provides consultancy in Europe and Asia on IT strategy, organization and procurement. He graduated from the Polytechnic School of Turin, Italy, and has an MSEE from Carnegie Mellon University, Pittsburgh, PA, USA.  He worked for GE Capital, as Group Chief Technology Officer, and AIG, with assignments in Italy,the UK, the USA and Argentina. In all of his positions, Bernardo has been particularly active in the application of lean Six Sigma to financial institutions. He has published over 200 journal articles, and 20 books, published in Italian and English, and is a frequent speaker at international conferences.

• Chapter 1: Introduction.- Chapter 2: Financial Services and Fintech.- Chapter 3: Model and Classifications.- Chapter 4:Fintech Innovation.- Chapter 5: Critical Sucess Factors.- Chapter 6: Responses of Traditional Players.- Chapter 7: Regulations.- Chapter 8: A Business Model for Insurtech Initiatives.- Chapter 9: A Case.- Chapter 10: The Future: Financial Services as Platforms.- Chapter 11: Conclusions.