Financial technology companies founded by business school graduates are revolutionizing financial services and disrupting areas such as payments, money transfers and SME loans.The peer-to-peer lending industry was given a jolt of energy on a winter week in San Francisco earlier this year.Gearing up for a potential IPO, the head of one of the biggest companies in the financial technology – fintech – space secured $200 million in funding for its push further into the financial sector. Mike Cagney, chief executive of Social Finance (SoFi), hopes to shake-up the US lending market online. “This is the start of a fundamental shift in how people will shop for loans,” says Mike.The funding round would help the company to diversify from its roots in student loans and into other areas of P2P finance.