The emerging FinTech (Financial Technology) Industry has the traditional banking industry shaking in their boots over fears of reduced profits. The Big Banks' Big Auditors' have all issued publications regarding "Banking Disruptive" and the threat of the emerging FinTech market's effect on the Big Banks' bottom line. Canada's Big Six banks earned a combined net income of CA$34.9 BILLION in 2015 and it is these outrageous profits that provide a very attractive incentive for players outside the traditional banking system. A 2014 publication by Deloitte entitled "Banking Disruptive" states the following: "Bank employees have historically been heavily incentivised to ensure customers opening current accounts are cross-sold credit cards and other loans and, in turn, insurance policies linked to these loans. Convenience and customers' lack of financial sophistication enabled banks to make high margins on these adjacent pro...