Unlock Income Opportunities with Fintech: Blockchain, AI, Robo-Advisors, P2P Lending, Cryptocurrencies, and Digital Banks — The future of personal finance is not coming — it’s already here. I’ve spent the last decade watching, learning, and participating in the seismic shift in the world of personal finance. From the dusty stacks of bank papers to the sleek apps on my smartphone, I’ve seen it all.