Financial Technologies
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 Financial Technologies Oftentimes, the advancement in technology has been heavily linked with the industrial and manufacturing sectors of the three-tier economy, placing little emphasis on the third tier, the tertiary sector. Ironically, the service sector is a major player in most of the world’s leading economies, with technology playing a crucial role in reshaping and ensuring efficiency of service delivery in this sector. The banking sector in particular has benefited the most with the advancement in technology in almost every aspect ranging from improved service delivery to reduced costs of operations. The disruption is nothing close to an end as new Financial Technologies (FinTech) continue to emerge and might necessitate the adoption of new policies to accommodate these disruptions. Almost every financial institution around the world has adopted new technologies that help better their service delivery and eventually attract more customers. Distributed systems have enabled these institutions operate seamlessly, with the access of information of one department by another made available in a centralized manner. Internet and mobile banking are now very common among various banks with the option of using USSD where internet connection proves to be an issue (Laukkanen, 2017). Security also has been enhanced in the financial sector with the adoption of hardware authentication technologies (Gillmore & Otting, 2018) to complement the ordinary usernames and passwords as well as QR code and MICR scans for checks. Also, technological advancements have led to the creation of automatic teller machines (ATM), enabling customers to get access to banking services anytime anywhere. 
There is a magnificent number of influencers in the financial industry globally, both individuals and banks of whom the notion of incorporating emerging technologies into the financial sector is a common trait. Wells Fargo, Bank of America Corp. (BAC), JP Morgan are just but a few global banks that have invested heavily in technology with the main aim of ensuring efficiency in service delivery and gaining of competitive advantage. Notable individuals in the banking sector such as Brett King (Moven Ent.),  Chris Skinner (Financer Ltd), Jim Marous (The Financial Brand) and a few others, particularly emphasize on the adoption of FinTech in the banking sector to enhance service delivery (Pilcher et al., 2015). It is not a doubt the financial sector would be consumed with the rapid development of FinTech if the necessary measures are not taken to replace the traditional old models in the banking sector. Although every aspect of technological advancement seems to command attention in the banking sector, some particulars exert more weight than the others. Machine learning, blockchain, and Artificial Intelligence (AI) are at the core of revolutionizing the financial sector (Ozaee & Sohrabi, 2017). Blockchain can be described as a digital ledger technology that is open source and allows the transmission of data and values in real-time in a secure manner (Vives, 2017). Banks can benefit exponentially by adopting this technology because it has the potential to f...