Findings from EY's Fintech Adoption Index for 2017 show that Fintech firms have reached a tipping point, and are poised for mainstream adoption across the 20 markets covered by the survey.  For the purposes of this report, EY identified 17 distinct services offered by organisations and non-traditional providers, and refer to these as fintech services. These services are considered within the five broad categories of money transfer and payments, financial planning, savings and investments, borrowing, and insurance. EY defined a "regular fintech user" as an individual who has used two or more fintech services in the last six months. Some executive summary details were as follows: The average percentage of digitally active consumers using fintech services reached 33 per cent across the 20 markets. Benchmarked to academic theory on innovation adoption, it suggests that fintech services have reached a milestone in being adopted by the "early majority" of the population. There is evidence of increasing awareness: for the six markets where a comparison is available, 84 per cent of customers are aware of fintech services in 2017 compared with 62 per cent in 2015. This is due, in part, to the results from emerging markets in this study: fintech adoption by digitally active consumers in Brazil, China, India, Mexico and South Africa average 46 per cent, considerably higher than the global average. Among the five categories, money transfer and payments are driving fintech adoption, with 50 per cent of "digitally active" consumers claiming they have used this type of service in the last six months, which suggests this category has reached "late majority" adoption. Insurance services have also seen significant increases, overtaking both savings and investments, and borrowing, with 24 per cent adoption. One potential influence may be attributed to the greater activity from regulators and policymakers in some markets that support fintech, such as in money transfer and payments, as well as insurance services. These groups are addressing new business models and technologies that were previously undefined by the current regulatory framework.