FinTech innovation: Revolutionary
or evolutionary business model
disruption?
Received (in revised form): 11th April, 2019
Ravi Bhalla
is a high-impact enterprise-level senior leader with over 14 years management experience across
telecoms, insurance and financial services in both industry (BT, AIG, Barclays, HSBC & Lloyds Banking
Group) and consulting (KPMG). A highly respected programme lead with a strong cu ...


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