The rise of digital finance took a disruption in the world of digital financial services, forcing all the actors moving towards those paradigms of digital transition that involved all the economic sectors. This book aims at inquiring the features of the financial evolution, analysing the characteristics of the Fintech, the challenge seized by traditional banks, and the role of the customers, which are involved in the race to acquire new knowledge and literacy, and orienteering in the jungle of cybersecurity. The study provides an overview of the changes occurred in the financial system, providing an analysis of the behavioural patterns of incumbent banks, fintech firms and customers. Target of the book are financial intermediaries, consultants and professionals interested in Fintech trends, as well as students of economics, law, engineering and social sciences.

Valeria Stefanelli is Associate Professor in Banking and Finance at University of Salento. She has a Ph.D in Banking and Finance at Tor Vergata University of Rome, and she is visiting research fellow at University of Wales (Bangor, UK). She has been the Rector's Delegate for the Third Mission Area. She is a member of the Board of Directors of the Distretto Tecnologico High Tech (Dhitech) Scarl and the Scientific Committee of the Netval Association. She is author of over 60 publications in peer reviewed international journals and responsible for numerous research projects funded on competitive calls. Her main research topics include internal governance in banks, fintechs and performance, technology transfer and finance for start-ups.

Francesco Manta (Ph.D) is a Research Fellow at University of Salento. He is also adjunct lecturer of Global Brand Management and International Trade Technique at LUM University. Manta has co-authored many articles published in international, peer reviewed journals. He also took part to national and international conferences on resources management. He works on different national and international funded projects on themes of sustainability and innovation, and he is member of Euram. He cooperated with the Foreign Affairs Committee of the Italian Chamber of Deputies on sustainability and innovation issues. His main topics of research regard business model innovation, digital finance, and stakeholder management.