Lifting the Lid on Fintech is a report from the Finance Innovation Lab, published in December 2020. Written by Head of Programmes Marloes Nicholls, the report examines the acceleration of technology-driven innovation in finance – fintech. It looks beyond industry-led hype about the speed and convenience of 21st century finance, to explore how fintech is transforming finance on a systemic level, leading to increased threats to democracy, sustainability, justice, and resilience in finance.