Technology is creating new online-only companiesi.e., Kickstarter for funding, Sofi for lending and Venmo for payments. Millennials, loss of trust in big banks post 2008, and mobile access to previously unbanked and underbanked customers are driving the growth of a new class of fintech companies and legacy banks rapidly adopting digital channels. Alternative payments such as e-wallets, mobile and digital currencies, and person-to-person payment options play an increasingly prominent role in the payments space.”]