One guide. Five categories of essential information to help you get ahead in 2021


In this guide, you’ll find expert insights, major trends, and essential data covering the fintech industry neatly divided into five categories.

  1. Introduction

    About the guide
    Read the chapter

  2. Making money in fintech
    Read the chapter 

  3. Network

    Creating real connections
    Read the chapter 

  4. Insights

    Staying up to date in fintech
    Read the chapter

  5. Technology

    Reinventing customer experiences
    Read the chapter

  6. Environment

    Navigating the challenges ahead
    Read the chapter

  7. Endnotes

    Help us build the community
    Read the chapter

Our aim is to create a go-to resource for the fintech community – a guide that you can rely on for access to the best insights from the brightest minds in fintech, packaged up in an easy-to-digest format.
Radek Zaleski photo

Radek Zaleski

Partner at Netguru

Featured experts


Meet Disruption Guide Fintech 2021 contributors.
  • Amy French photo

    Amy French

    Head of Level39
  • Enrique Martinez Hausmann photo

    Enrique Martinez Hausmann

    Associate at Speedinvest
  • Ritesh Jain new photo

    Ritesh Jain

    Co-Founder at Infynit
  • melissa cullens photo

    Melissa Cullens

    CEO & Founder at Charette
  • Simon Schou photo

    Simon Schou

    Chief Innovation Officer at Copenhagen Fintech
  • Konstantinos Kalogerakis photo

    Konstantinos Kalogerakis

    Chief Innovation Officer at Crowdpolicy
  • Nicolas Kozakiewicz

    Nicolas Kozakiewicz

    Innovation Executive Advisor at Worldline
  • Eric Mignot photo

    Eric Mignot

    President at +Simple

Jury members


Meet Disruption Guide Fintech 2021 Committee
  • Rita Martins photo

    Rita Martins

    FinTech Parternships Lead at HSBC
  • Konstantinos Kalogerakis photo

    Konstantinos Kalogerakis

    CIO at Crowdpolicy & PayPal Official Partner in Greece at Crowdpolicy
  • Wojtek Kostrzewa photo

    Wojtek Kostrzewa

    CEO of Billon Group
  • James Varga new photo

    James Varga

    CEO & Founder of DirectID
  • Ritesh Jain new photo

    Ritesh Jain

    Co-founder of Infynit
  • Egemen Edgu photo

    Egemen Edgu

    Co-Head of Digital Disruptors, EMEA at Citi Private Bank
  • melissa cullens photo

    Melissa Cullens

    Founder & CEO of Charette Studios
  • Mel Reyes photo

    Mel Reyes

    Virtual CIO/CISO
  • Ilana Fass photo

    Ilana Fass

    VP Fintech Banking at Silicon Valley Bank
  • Aditya Goel photo

    Aditya Goel

    Co-Founder of Stealth Fintech Company, Ex Head of Product and Expansion, US at Revolut
  • David Putts photo

    David Putts

    Chief Growth Officer, Billon Group
  • Radek Zaleski photo

    Radek Zaleski

    Partner at Netguru
  • Konrad Jarociński photo

    Konrad Jarociński

    Innovation Lab Manager at Netguru
  • bartek białek photo

    Bartosz Białek

    Design Department Leader & Manager at Netguru

Learn from fintech experts

  • Collaboration will be key in 2021, with Incumbents leveraging speed, creativity and technical savvy of Fintechs and Fintechs leveraging the reach, brand and risk mitigation of Incumbents.

    Bob Petrie photo

    Bob Petrie

    NAM Lead, D10X Innovation Program at Citi Ventures
  • Blockchain technology and crypto assets are changing the landscape radically, and its impact will be bigger than the internet itself.

    Enrique Martinez Hausmann photo

    Enrique Martinez Hausmann

    Associate at Speedinvest
  • Habit loops reinforced with personalized usage & benchmark data will have the biggest impact on the fintech landscape in 2021.

    Stephanie Bowker photo

    Stephanie Bowker

    Head of Marketing at Spendesk

Nominate a fintech expert to be included in the next year’s edition of Disruption Guide Fintech


Engage in creating a piece with all the must-know fintech trends, important industry data, and companies to watch presented in one easy-to-read guide.

Nominate for Disruption Guide Fintech 2022
Skyscrapers and a street