My guests this episode are professors Ross Buckley and Douglas Arner, who teach at the university of New South Wales and Hong Kong University respectively. Both are experts in financial law. They are joining me to discuss their paper “The Evolution of Fintech : a New Post Crisis Paradigm”. In this paper they explore how every major recession of the last 20 years has forced the financial industry to revisit,and often revolutionize, its relationship with digital technology. As a result of this process an entirely new industry was spawned, known as Fintech, which today is still largely guided by the destruction and losses incurred in economic recessions.