CONTENTS 6 46 79 Executive Summary Chapter 04 Closing Remarks Cooperation Models by Fermín Bueno beyond Capital 10 Investment 81 Chapter 01 FinTech Companies: 57 Exhibit Repertoire of possible futures Chapter 05 Financial Ecosystem, 21 Puzzle among its Players Chapter 02 67 The Outlook is Getting Clearer… FinTech Law Chapter 06 New Technologies Advantaging New 34 Business Models Chapter 03 Competition vs Collaboration A TWO-WAY PATH 4