To assess what are the concerns and issues for the slow uptake of Fintech/Mobile Money in the MENA region. • How will banks and telecommunication operators coexist in the value chain. Who lead and who will follow? • How can telecom operators via their network and scale compete with banks and financial operators? • What is impact of mobile money OTT on both the telecom and banking industry. i.e. bitcoin, etc… • How will main stakeholders work on converting customers into the mode of mobile money? What methods can be leveraged? • How would blockchain technology and cryptocurrency impact the fintech transformation process in the middle east?