This document discusses how big data, artificial intelligence, and new technologies are disrupting the financial sector. It explains that financial institutions were early adopters of big data to analyze structured data and make predictions. Now, these institutions are applying these skills to unstructured data and using technologies like AI and machine learning to improve fraud detection, customer service, and develop new products. However, these technologies also create new problems around hacking, cybercrime, and potential job losses that companies must address. The document also discusses how fintech startups are disrupting traditional financial firms by using data-driven approaches.