b'Key Drivers in Spurring Fintech in Emerging Regions% of respondents who feel the following are key drivers in spurring fintech in emerging regions in the next three years21% 20% 17% 16% 14% 10% 2%Access toLow Barriers toAccess toClearFriendlyAcademicOtherCapital Entry/Cost ofTalent RegulatoryEnvironment forInfrastructure/Doing Business and LegalEntrepreneurs/ InnovationFrameworks Start-Ups37'