Stress on the big banks and traditional financial sector, potentially exacerbated by the looming bank levy, may result in a boost for the fintech sector by giving talented financial sector employees the push to take risks and innovate.  During a panel discussion on "Fintech in 2020 and beyond", Stockspot founder and CEO Chris Brycki made the point that a lot of very well educated people are employed in the Australian financial services sector - but they are in jobs that are well paid, "or even overpaid compared to other sectors, and similar jobs on other countries", so they have little incentive to change. Danielle Szetho, CEO of Fintech Australia agreed, and noted: "In other markets, people who have lost their jobs in the financial crisis and have been forced to take a risk." It may not take another financial crisis to shake out some of the staff from Australia's largest bank. Instead, she suggested, the government's new bank tax will cause them banks to reassess their business case. The average age of the fintech entrepreneur in Australia is 42.  "If big banks cut costs to deal with the new bank tax by shedding staff, that will push more of their financially talented former staff to the fintech sector," Szetho said.