In the last decade, internet technology has disrupted numerous industries. Consumers who seek any range of goods and services can now access thousands of websites and apps that replace the need for professional guidance. Instead of hiring real estate agents, people go to; rather than asking their lawyer, they ask Legalzoom; and instead of waiting in the rain for a licensed cab, they hail an Uber. Such disruption has effected finance, as hundreds of online FinTech startups are slowly transforming an industry dominated by large, well-staffed companies, easing the process behind complicated tasks like personal investment and currency exchange. Another financial service that may be moving online is home mortgage origination.

By Scott Beyer