Fintech and the future of finance | Prof. Arman Eshraghi | TEDxCardiffUniversity

Fintech and the future of finance | Prof. Arman Eshraghi | TEDxCardiffUniversity

Fintech (financial technology) is not a new concept, but its influence of how we manage our finances has accelerated tremendously in recent years. Arman will explain why everyone (and not just finance professionals) should care about the growth and impact of fintech. Arman Eshraghi is a Professor of Finance and Chair of Finance and Investment at Cardiff Business School. His academic research spans finance, accounting and psychology with interests including behavioural finance, financial technology and corporate governance. His work is published in some of the leading academic journals, cited in the media including the Financial Times, Washington Post, Harvard Business Review, Forbes and Bloomberg. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at


  1. Archie Stewart on August 5, 2021 at 9:27 pm

    The was like the old hitting the hornets nest, I just don’t get it why people are so wound up? Stuff evolves and this is part of it.

  2. Lynn Bell on August 5, 2021 at 9:29 pm

    Thanks for pointing out both the pros and cons of fintech. I currently study finance in college and love this field, but fear that the traditional finance industry will get disrupted by new technology.

  3. Max Poyntz on August 5, 2021 at 9:30 pm

    Top 4 companies 1999 right through to 2019 – Microsoft was there at from 1999 to 2019. Apple, Amazon & Alphabet(google parent) didn’t get there until 2019. Find that amazing and they are all Tech companies though I have fact checked this.

  4. Manas Gangishetti on August 5, 2021 at 9:31 pm

    What is the future for fintech after COVID ?? Can you please suggest??

  5. Miranda Amir on August 5, 2021 at 9:32 pm


  6. Betty Gould on August 5, 2021 at 9:33 pm

    It still feels like a way for rich bankers to take more from us.

  7. Grand Bay Central on August 5, 2021 at 9:34 pm

    Banks are getting into Fintech bandwagon.

  8. luiz antonio machado on August 5, 2021 at 9:35 pm

    Oh yes, Blockchain, that’s my new bank, like the Cloud unit I have to store and find my stuff. I like when they tell my storage is almost full and need to pay just a little bit more. Really, if I didn’t have a sense of humor I’d be crazier!

  9. Sofia Clara on August 5, 2021 at 9:37 pm

    Welcome to the new world of finance and a cashless society. Better hang on to those old mattresses!!

  10. Steph Andrews on August 5, 2021 at 9:37 pm

    I am now buying bitcoin, because its so easy to get now. The institution fought it, and now they are all in!

  11. Margo Taylor-Ritchie on August 5, 2021 at 9:38 pm

    The one thing not many discuss is as governments and major banks authorise more digital control, the more people will look for alternative ways of exchanging goods and services. I suggest barter will find a way back.

  12. The Most Of All on August 5, 2021 at 9:40 pm

    But aren’t we losing freedom with fintech, are we now tracked more than we ever have been?

  13. Simão Bitencourt on August 5, 2021 at 9:40 pm

    I do love the idea of being able to get rid of the monopoly a lot of the big corporations have… Block chains scare me though! I’ve heard some pretty terrible things… But as long as we can ensure that such technology isn’t helping feed the darker side of the internet I would be all for it.

  14. Arnold Cintrón on August 5, 2021 at 9:40 pm

    I can see a day where everything is digital, including us!

  15. sagar more on August 5, 2021 at 9:41 pm

    We are moving to a cashless society, and soon EVERYTHING WE DO will be seen by the government and the banks.

  16. fnabilah 98 on August 5, 2021 at 9:43 pm

    itfbm 😄

  17. Gemma Atterks on August 5, 2021 at 9:46 pm

    I finally bought Bitcoin this year, just a bit and no this isnt an ad. But wow it’s really going up.

  18. ElusiveKhan133 on August 5, 2021 at 9:46 pm

    This Covid crisis, no-one takes money, all e trade stuff. Not sure this isnt the beginning of the end.

  19. Eray Altıntaş on August 5, 2021 at 9:47 pm

    Kaşın gözün ayrı oynuyo kardeşim. İngilizce konuşacağım diye bu kadar değişmeyin.

  20. Marietta I on August 5, 2021 at 9:49 pm

    Ive got about 0.007 BTC. Lets see how much ill have by the end of 2021

  21. Turk Vestule on August 5, 2021 at 9:51 pm

    You know what, I miss cold hard cash, when I use cash I know how much I have and how much I can spend.

  22. swweetprincess14 on August 5, 2021 at 9:53 pm

    i understand the revolution came in the mobile phones uses but i am still concerned the minimal cost I need to pay to run it

  23. Risa Piera on August 5, 2021 at 9:54 pm

    Who will dominate, I’l glad to hear him mentioning caution.

  24. Carlie Wilferth on August 5, 2021 at 9:55 pm

    There is so much on the news about a cashless society, it’s happening, we can’t stop it now.

  25. lizette simon on August 5, 2021 at 9:55 pm

    Haha, I still balance a checkbook the old fashion way. I had the power company ask if I could just do online and I refused, they couldn’t believe it!

  26. Skye C on August 5, 2021 at 9:56 pm

    I never use cash anymore, I wonder if we are going to get to a point when its all digital.

  27. Diego Cáceres on August 5, 2021 at 9:58 pm

    Nada que ver.

  28. Robin Workman on August 5, 2021 at 9:59 pm

    I bought ftft @ 4.69 only 45 shares. I was going to use it for flipping. But I’m thinking it might be a good one to hold.

  29. Josefin Soderlund on August 5, 2021 at 9:59 pm

    🙂 great talk , thank you

  30. Alice Stanser on August 5, 2021 at 9:59 pm

    All of this, all of this new way of banking – paying – investing is terrifying. Without regulations like we used to have everything seems so risky…

  31. Billy Walters on August 5, 2021 at 10:00 pm

    The top 10 companies in 2019 include Financial companies. I’m seeing the Fintech trend here.

  32. Demi Loster on August 5, 2021 at 10:04 pm

    Has anyone seen this new REVOLUT app? Just asking.

  33. Chantal Brovic on August 5, 2021 at 10:04 pm

    I understand how this is good for some, but digital transactions scare me, you can’t count what you give or get back. And then my money travels down an electronic highway I have no control over.

  34. Peaceful Escapes on August 5, 2021 at 10:04 pm

    Ill save you 17 minutes

    Ted talk as follows

    1: Fin tech includes not just blockchain but online payments
    2: Companies in the fin tech sector are now some of the biggest companies in the world
    3: There are some fake cryptos
    4: A likening bitcoins to the price of tulips in the 17th century
    5: Be careful of the promised wealth to crpyto

    This video hasnt aged well and the speaker sounds like hes just sniffed a line of coke and trying to keep himself calm throughout the whole presentation.

  35. Alex Leister on August 5, 2021 at 10:06 pm

    The commentators suggesting that digital currency is wrong are simply stuck in another age and time. It is 2020.

  36. Zack Suchodolska on August 5, 2021 at 10:08 pm

    And when it all becomes digital currency, we the people will have lost whatever freedom we had left.

  37. Kenneth Grubba on August 5, 2021 at 10:08 pm

    literally one of the worst ted talks I’ve ever heard

  38. Black Dynasty on August 5, 2021 at 10:10 pm

    My Mother told me, if you can’t see it, you don’t have it. I feel this way about a lot of technology that’s out there somewhere.

  39. Juan Felipe Cerón Uribe on August 5, 2021 at 10:12 pm

    Fintech is so boring

  40. Sundal Murugan on August 5, 2021 at 10:13 pm

    wa wa waaat, after ’08 regulations increased?????

  41. Tiny Cockcroft on August 5, 2021 at 10:14 pm

    Bitcoin and Tulips? perhaps the difference is people want out of the traditional financial model.

  42. Branda Woodword on August 5, 2021 at 10:14 pm

    I can’t even remember using cash except coins for parking meters, but isn’t that causing us to lose sight of the value of money – its now a click away and then away for good.

  43. Peter Mitchell on August 5, 2021 at 10:18 pm

    From the ATM to plastic cards, I’m pretty thrilled by online banking thank you.

  44. KA Na on August 5, 2021 at 10:18 pm

    I’m lost, is block-chain like a chain-gang trying to out do the banks?

  45. Daria Sotnykova on August 5, 2021 at 10:20 pm

    And BC split, lets now hang on and see!!!!!

  46. Sasha Petrovic on August 5, 2021 at 10:21 pm

    I hear about Fintech though don’t understand it, mainly because its financial and technology together. Both things that I am not fond of. Thank you for expanding my view.

  47. Rick Yohe on August 5, 2021 at 10:23 pm

    I read the Australias post office is now allowing customers to buy bitcoins!!!

  48. Heather Rausch on August 5, 2021 at 10:24 pm

    i’ve definitely heard of all this before and i get that cashless is the way of the future but i do hope we manage to hang on to the old ways a little bit. this guy delivered this talk so well though, i actually watched the whole through and was very curious!!

  49. Lucy I Berard on August 5, 2021 at 10:25 pm

    This came up in our group and I wasn’t going to watch, but I am glad I did.

  50. Alison White on August 5, 2021 at 10:26 pm

    He’s got a bit of swagger, I think he could play the bad guy in a movie called Espionage. I think I might be able to watch that. Had hard time listening to this.