We are working tirelessly to sustain an advanced, modern, future-ready financial system across the World. To build a mature FinTech ecosystem we must capture five pillars: 1) Demand, 2) Adequacy of working Capital, 3) Policy, Procedures and Internal controls, 4) Talent, and 5) Infrastructure. FinTech will achieve its goal by working with industry and regulatory authorities to ensure a central role for innovation and digital transformation and the promotion of a culture of robust risk management. This commitment is backed by two key elements: effective and balanced regulations, and robust digital infrastructure. The objective is to provide a set of principles when using enabling technologies in financial services and accompanying guidance. The key principles are broad enough to cater to different business matrix, operating systems and financial services offered by existing organizations operating in, and new entrants to, the financial services sectors. This technique can be a use full tool to upgrade the economic structure of the countries. Kind Regards Rizwan Khan  ( PGDip OL , University of Oxford)