Money has always moved with technology. From the barter systems of ancient markets to coins, paper currency, cheques, plastic cards, and now a tap on a smartphone screen, every era of commerce has been shaped by the tools available to record, transfer, and trust value. What is happening today, however, is different in scale and speed. In the space of little more than a decade, financial technology — FinTech — has moved from a niche interest of engineers and bankers to something that touches nearly every person who owns a phone. This book was written for the curious beginner. You do not need a background in banking, computer science, or economics to follow it. Each chapter builds on the one before it, moving from the basic question of what FinTech actually means, through the major segments of the industry — payments, lending, insurance, wealth management, banking — and into the technologies that power them, such as artificial intelligence, blockchain, cloud computing, and open banking. Along the way, we pay close attention to the Indian experience, because India's FinTech story — UPI, Aadhaar, the India Stack, and a fast-growing base of digital-first consumers — is one of the most closely watched in the world.