The Difference Between Blockchain and Fintech

Innovative Technologies

The difference between Blockchain and Fintech. Blockchain plays a key role in Fintech innovations, however it is not the same thing, it is simply a factor in the equation. Both Blockchain and Fintech have the potential to change how financial institutes and various industries currently operate.


Originally designed with cryptocurrencies applications in focus, and specifically bitcoin. Blockchain was created to solve the “double-spending” problem, being able to provide public transactions, without the need of a trusted authority or central server. Since then it has inspired many other application. Due to its nature and great capabilities, blockchain applications has shown great opportunities, not limited to finance. It can be applied in various industries, and improve many departments within an organization. Blockchain is an open distributed ledger, and operates openly. It can record transactions between two parties, quickly and efficiently. By design, a blockchain is resistant to modification of data.

A Blockchain is a decentralized, distributed and public digital ledger that is used to record transactions across many computers so that the record cannot be altered retroactively without the alteration of all subsequent blocks and the consensus of the network.


Financial Technology, known as Fintech is a new and innovative approach that can disrupt traditional financial services. A new industry using technology to improve activities in finance. Fintechs consists of both established organizations and startups, aiming to enhance the services currently provided by existing companies in the financial sector, by redefining and creating new application, processes, product  and business models. Fintechs face challenges in the financial sector, they are often in conflict and negatively seen by financial regulators like banks and governments. This is due to a a new approach that is not only more effective but can have major affects on such organizations.

Fintech, a new industry using technology to improve activities in finance, focusing on a more accessible service to the general public.

Disruptive Applications!

Fintech is changing the the financial services industry with Chatbots for customer service, Machine learning and AI for fraud detection, Omni-channel banking and obsolescence of bank branches, Biometrics for stronger security and Blockchain for digital transactions.

The most considerable application of blockchain will be the disruption of payments for banks as well as customers by reducing the cost and time taken to transfer money.

Fintechs that can offer what banks cannot will allow them to grow a new customer base and have high retention.

Explore how Blockchain Technologies can transform your industry, providing transparency, yet being secure and agile!

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