An FSP that delivers DFS to customers. In this guide, the term DFS provider excludes traditional financial-sector intermediaries, such as banks and insurance companies, unless stated otherwise. It can include e-money issuers, fintech firms, and other regulated entities delivering DFS.

A broad term that encompasses the use of technology to innovate and transform various aspects of the financial industry. Fintech utilizes digital technologies such as data analytics, quantum computing, cloud services, machine learning, artificial intelligence, and distributed ledger technology to enhance financial activities.