The pace of change in the fintech industry has reached a new high, driven by sweeping global regulations, growing penetration of digital devices, and a slew of capital. For incumbent financial institutions, maintaining market dominance and identifying new growth opportunities will require reacting to an expanding stream of disruptive trends and technologies, from open banking to artificial intelligence.

In a series of five slide decks, Business Insider Intelligence will analyze the five largest megatrends shaping the future of fintech. This deck, the third in the series, will explore how fintechs and tech companies are broadening their payments and banking offerings beyond core services and share recommendations incumbent firms can use to shore up their defenses.

Note: To access the data, right-click on the charts in the slides and select 'Edit Data In Excel.'