The document discusses three levels of maturity for financial technology (FinTech): the hygiene level, digital distribution level, and product creation level. The hygiene level involves internal automation to improve external customer convenience. The digital distribution level uses technologies like e-commerce and mobile apps to improve customer convenience and internal efficiency. The product creation level shifts the focus from technology-supported services to technology being the primary service, through innovations like peer-to-peer lending and mobile wallets. The key is convergence across different industries like financial services, telecom, and retail.