The document discusses how FinTech is a catalyst for change in the financial sector. It outlines how FinTech impacts products, business models, and the structure of the financial sector. The EBA aims to regulate FinTech through a technologically neutral approach that promotes financial stability, consumer protection, and combats financial crime while providing clarity to firms and a consistent international approach. The EBA bridges industry and regulators through reports, guidelines, and an innovation forum to facilitate FinTech priorities over 2019-2020.