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One key point of the API economy is that Fintech (and many of the Internet Giants) could exploit the interaction layer without the costs of running a bank.... And relegating Banks to become mere Utilities. From that point it is easy to desintermediate by establishing some netting of transactions the banks become more and more out of the loop. Risk and Compliance may calm down all this. Big change ahead for sure.

True that the market seems overhyped with sky high valuations before the companies have even earnt a penny. However I don't think that we are seeing a revival of the dotcom days. The financial services are set for the biggest disruption of any verticals. Innovation to stay ahead is necessary, yet most Banks are tangled into Cost cutting, Reg compliance and the necessity to do something about their legacy IT. So Fintechs play a good challenger role today, very few will IPO, many will end up as Solutions or Utilities for Banks. I also believe that Fintechs are an even stronger challenger to the professional services industry. They will still have a role to play long after the hype will flatten.

DevOps is structuring the delivery processes as part of the acceleration. So there is no surprise that industrialising this approach to delivery will pay more attention to Security. The key question however is how do you organise and establish processes for successful implementation / industrialisation of DevOps. Beyond the theory, how do you put it successfully into practice with the pressure of day-to-day delivery. In many places I know, there are still substancial hurdles to overcome.