Hey it’s World Fintech Day today. It’s a day to take some time to congratulate an industry that has achieved… well, what exactly? What is there to celebrate when the truth is that we haven’t yet had a fintech revolution or anything like one. If you think I’m being harsh, take at look at this survey of almost 800 companies that has just ranked financial services as one of the least innovative sectors of the economy. One of the least! Not even in the top half of the table.