This report from the World Economic Forum and Deloitte studies the transformative role of fintech and other disruptive forces on the financial services industry. This is the third report Deloitte and the Forum have developed on this topic. The report uncovers eight disruptive forces that have the potential to shift the competitive landscape of the financial ecosystem. This report shows how these forces are impacting the financial services industry, including insights from seven industry segments: payments, digital banking, lending, insurance, market infrastructure, investment management, and equity crowdfunding.