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The term "fintechs" is a contraction of "financial technology". This concept refers to technologies associated with the financial sector. Fintechs refer to non-financial startups with a strong technological character that target the financial sector. In the 1990s, fintechs represented archaic software in computers, then mobile applications after the advent of smartphones in the late 2000s and finally advanced technologies such as artificial intelligence (AI) since the mid-2010s. The services offered by fintech companies are diverse and varied, and evolve daily. The concept of fintech is constantly evolving, as it keeps pace with the development of new technologies. Indeed, access to a day-to-day account is the first step towards financial inclusion, thus improving the overall standard of living of individuals. By customising and adapting their offers to a wider audience than traditional banking institutions, fintechs give customers an alternative to going through the intermediaryof banks.