b'U.S. Drivers and RisksThe U.S. banking industry is seen as the greatest driver in adoption and expansion of fintech, possibly due to the rise in cryptocurrencies such as Bitcoin, open banking and third party management applications. The greatest potential risk with digital advancement is data privacy and security. Top Deterrents to a Broader AdoptionData Privacy Concerns35%Rapid Changes in Technology24%Cybersecurity/data and identity hacks have the most potential legal ramifications in 2020 at 47%. 50'