Where a company is described as being part of the fintech, insurtech or regtech ecosystem, it usually conjures up an image of a start-up business that leverages technology to exploit a gap or delivers a need in the market. It is a business seeking to disrupt the existing market landscape and challenge established financial institutions. However, innovative start-ups are only one side of the financial technology ecosystem. Established institutions such as banks and insurers are not standing idly by; they....