Financial Technology (FinTech) is here - sweeping through finance and, if some are to be believed, threatening traditional edifices that have stood for centuries. This great surge is being fronted by a host of new start-ups taking their lead from the big tech innovators. Their maverick approach is helping to push the FinTech industry into new territory across the financial services landscape, raising billions of dollars and worrying the incumbents. So what are the main trends and driving forces