We're in the first week of Fintech Fortnight now, a two week period dedicated to this expanding sector. Already we've seen huge transformations with banking now more likely to be accessed through a phone than waiting for a statement through the post box. So what does the future hold and how do people feel about the pace of change. To discuss just how much Fintech has developed our reporter Tom Hill spoke to James Smith, Mobile and Digital Innovation Director at Nationwide Building Society.