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Americans are currently seeing a period of potentially significant change as financial technology (FinTech) companies seek to harness advances in communications, data processing, and cryptography to compete with traditional providers across a host of services. FinTech is changing how financial services are provided in a host of ways that make it possible for new competitors to compete with incumbents.1 Some of the most powerful are removing geographic limitations on where a company can offer its services, and lowering barriers to entry.
<p><span>Thank you, Carla [Garrett]. Good morning and welcome to each of you.</span><span> It is a pleasure to participate for the first time with the Committee as a Commissioner. But as a longtime SEC staff member, it is great to see some familiar faces today, some going back to the earlier Advisory Committee on Small and Emerging Companies. I also see some new faces and I look forward to working with you.</span></p>