It is the end of another year of enormous fintech investments and the creation of fintech communities in every corner of the world. It was a year of banks actively seeking to collaborate and partner with fintech firms, even becoming some of the industry’s largest investors. Last year, we predicted some of the fintech trends for 2015 with the help of a Fintech Influencer Survey where we collected opinions from investors, founders of fintech startups, and fintech thought leaders. The survey also highlighted the fintech firms that made the largest impact in 2014. Which firms do you think made the biggest impact in 2015? What do you think will be the hottest fintech trends for next year?