Digital world. I have discuss this topic many times. And it all begins in the early 90s. When people start using internet as their main resource to run an online business. For example, the financial technology or fintech that has a long history from two predecessors, X.com and PayPal. They are both the first fintech company (and rival as well) that use internet as their main media to create an online finance system. Basically, when they were finally merged into one company named PayPal, they create the first online bank and gain so much attention from their customer and competitors.