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This question came into sharp focus for me in the closing months of 2018, when I attended two events focusing on fintech – the Singapore Fintech Festival and IFC’s annual meeting of its fintech investees.

There is an incredible amount of excitement around fintech.

"Ron: "Stop blaming everything on that cutie-patootie, you cockroaches!

Each year, I find myself reflecting on the progress we have made on financial inclusion, but also on the challenges ahead and how we as CGAP can contribute towards tackling them.

I met people working on insurtech, payments, reverse factoring platforms, blockchain-based identity solutions, digital micropensions, marketplace lending platforms, digital credit, e-commerce, regtech, suptech, artificial intelligence, machine learning…literally, everything under the sun.

There is so much energy, creative thinking and money going into this space, it is breathtaking. Between the opportunity for mass market financial services in emerging markets and the opening up of financial services in Europe thanks to the revised Payment Services Directive (PSD2), there is rightly a lot of excitement about how we can rethink financial services for the digital age.

"Wyatt: "I've never even thought about Caitlin in that way before. " [Nikki says something to Jonesy.]Jonesy: [lowering his phone] "Busted. " [Jen runs through the mall with a smile on her lips.

This is just a slightly less random version of spin the bottle." [taking money] "Date will be in the booth at .

"Jude: "Our folks are hitting some town called Mexico, so she's here for a week." [pulling out a billfold] "All expenses paid."Jonesy: "I haven't seen you since you were riding around on a tricycle. One hundred and seventy-two minutes until I get to hook up with Travis again! Jen walks over to them.]Jen: [annoyed] "Thanks for the support!

"[Jude skates up with a young blonde girl behind him on the skateboard.]Jude: "Dudes, say hola to my cuz Jade."Nikki, Caitlin, and Jen: "Hi Jade! Jonesy laughs.]Jonesy: "Gonesy's what she always used to call me."[Jade stares at Jonesy with a dreamy look in her eyes.] [Jen is wearing a giant baseball glove.]Jen: "Ugh, stupid baseball promotion! "[Caitlin and Nikki walk into the store, see Jen, and double over with laughter.

Can't live with 'em, can't live without 'em." [Jonesy and Nikki are sitting by the fountain. "Nikki: "Yeah, well, well, why don't you ask me something less trivial."Jade: "Okay. I bet it's that sleazy waitress."Nikki: "Talk to him already! Way downtown." [to Jade] "And you, stay adorable." [He drags Nikki away.]Nikki: "What?

Jen sighs happily, rests her elbows on the counter, and watches him leave. He's in the same position as Jen.]Coach Halder: "I hear ya, sister. "Nikki: "Ugh, you're too blind to see it because she's got a crush on you! And he's so mine." [Jen is sitting on a bench, waiting for Travis.]Jen: "Aw." [Her phone rings.] "Where are you? " [She prods Travis's face with the microphone.]Travis: "Who do I–hang around with? One hour to date time."Jonesy: "You're not wearing that, are you? Jen spies on him from behind a movie poster.]Travis: "Great. Jen calls Nikki.]Nikki: "Hey."Jen: "He's meeting the other woman at six! Nikki frowns and then moves on to spy on Jade, who is lifting something from Things That Beep.]Nikki: [stopping Jade] "Ahem, going somewhere? My boyfriend."Ron: [grabbing Nikki] "You're going downtown, missy.

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