b'Regions Expected to Lead Innovation in FintechOverall, North America is perceived as the most likely region to continue innovating in the fintech space during the next three years. In line with the perceived challenges facing fintech, a clear legal framework and understanding regulations and policies are crucial. Aside from legal obligations, access to capital is key in ensuring ongoing expansion and innovation.Key Drivers Enabling Fintech Innovation% of respondents who feel the following are key drivers in enabling fintech innovation in the next three yearsClear Regulatory and Legal Frameworks22%Access to Capital20%Low Barriers to Entry/Cost of Doing Business17%Friendly Environment for Entrepreneurs/Start-ups15%Access to Talent12%Academic Infrastructure/Innovation12%Other2%34'