Let’s consider some cold, hard numbers for starters. Some 45 percent of personal loans are now originating through fintechs, a figure that stood at about 5 percent just four years ago. Goldman Sachs estimates the worldwide fintech space to be worth $4.7 trillion, and there are more than 12,000 fintech startups worldwide. China-based Ant Financial, heralded to be the world’s largest fintech company, is worth more than $60 billion and employs over 10,000 people.