Perhaps this view is a little more pessimistic than mine, however as we see the head of one of Australia's largest banks claiming that his organisation is in fact a fintech we realise how compelling and scary such a proposition must seem to a very wide variety of businesses.  Certainly in the twelve months since our technology business became an integral part of Grant Thornton's Growth Advisory offering for mid sized business more and more of our work with clients is focussed on digital transformation.  This involves working through methodically on proactive defence against disruption and an opening businesses up to being the disruptors themselves.