While the burgeoning number of Fintech player and the exciting new technologies may be reminiscent of the Dot Com Bomb of the late 90's early 2000, will it be different this time?

The technology is certainly different - advances in computing power, decreased costs per Gb of memory and a networked world mean the possibilities are beyond what we could have imagined 10 years ago.

But - not all the fintech startups will survive. Some will be acquired by the larger institutions, some will fail for cashflow reasons and inability to develop scale, but some will thrive. Someone will be the PayPaul of tomorrow - but who will it be?