ABSTRACT
FinTech promises to revolutionise, and perhaps democratise, the way financial activities are pursued. Direct connections between lenders and lendees, facilitated by loan apps, for instance, are already changing some of the ways in which money can be accessed by consumers. Conventional wisdom about financing, involving banks, drawing upon policy via regulation, and public institutions interacting with lendees, businesses, and so on may need to be revised. In the context of some basic philosophical and ethical concepts, alongside some recent history, an analysis can be developed that puts some meat on the bones of what this FinTech revolution might mean in a sense deeper than purely practical ideas like ease of access to finance.
