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Today, new entrants and incumbents alike are using technology to innovate and change the way Canadians access and consume financial products and services.The promise of financial technology (Fin Tech) is that consumers and small‑ and medium‑sized enterprises (SMEs) will benefit from streamlined processes, reduced friction, less need for intermediaries in certain transactions and more choice by unbundling products and services.

They allow the Bureau to assess an industry through a "competition lens" to highlight issues that may restrict competition and to inform public policy on how markets are regulated.The financial crisis damaged the reputation of the financial services sector and the sector appeared poised for an innovation disruption.A new wave of financial services businesses emerged: start‑ups leveraging the latest technology (in particular the mobile Internet) to launch apps and digital services; seasoned technology companies extending their reach into new parts of the lives of their users; and incumbent institutions seeking to reduce transaction friction to defend and maintain customer relationships.Third, it plays a significant role in the day‑to‑day life of most Canadians, whether they are receiving or making payments, borrowing, spending, saving or investing.While Canada’s financial regulatory system is one of the most well‑respected and sound regimes in the world, the global financial crisis in 2007‑2008 led to a period of economic recession in Canada and around the world.

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