b'Europe Drivers and RisksFor Europeans, trading and capital markets hold the most potential for fintech adoption in 2020 with the improvement of transactional efficiencies and long-term security emerging in the form of fintech solutions. About half of Europeans view the eCommerce industry as the top sector to adopt blockchain technology, possibly for more consumer empowering payment methods such as Bitcoin, record keeping and tracking, and transparency between businesses and consumers. Trading/capital markets has the highest potential adoption rate in 2020 at 30% (IDX 127).82'