The 2008 financial crisis led to a loss of confidence and gave rise to a new financial sector landscape. The emergence of the fintech phenomenon is attracting interest from new generations who are turning their backs on traditional players. The digital adjustment of the banking and financial sector at large is based on a move towards greater productivity through the use of new tools that reduce distribution costs. These developments raise questions as to their impact on banks, the reaction of the latter, and the risks incurred with the emergence of new practices. Regulators are facing new challenges that involve ensuring a level playing field for the different players and protecting users.