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During the 21st century the way business is done has changed dramatically. The internet and the trend of digitalization have caused modification in all areas of life. The music and movie industries with the emergence of Spotify and Netflix have now new leaders while those two companies provide only online services. Not only the new technologies, but also changing customer behavior are responsible for the mentioned transformation. Consequently, financial services have changed according to customers' demands. Not merely the established players, as for example big banks had to apply new strategies but also new companies found the opportunity to provide those services that big banks couldn't or just were too slow for. Those new players or fintech (financial technology) companies provide financial services using modern and innovative technologies. Customers seeking new innovative functions are using fintechs mainly for Financial Planning, Asset Management and Payment purposes. Online and mobile products that are provided by those new market participants that have an innovative character are considered the future of financial industry.