(KYC),General data Protection regulation(GDPR) and a whole lot of regulatory bodies to deal with based on divergent jurisdictions they work with.They include office of comptroller of commerce(OCC),Consumer financial protection bureau(CFPB),commodity futures trading commission(CFTC) and federal deposit insurance commission(FDIC)regulate their conduct in america.Fintech start ups should learn from them prior to venturing and inherent regulatory risk as they vary from country to country reduces to the barest minimum.Moreover,fintechs niches go beyond just Digital banking and comprises of popular niches like investment management,wealth management,digital lending,mobile banking,global money transfers,insuretech,regtech,microfintechs dealing with digital microcredit,loans and advances,blockchain and Artificial intelligence based solutions,crowdfunding,emicroinsurance,eREITs,e-micropayments and mobilepayments,financial product services.There is a lot of stuffs to be done in the heavily untapped underbanked and the