Welcome to this week's edition of The Fintech Files. I'm Yolanda Bobeldijk, FN's fintech correspondent, keeping you up-to-date with the latest developments in financial technology and innovation.

While you are juggling filling Christmas stockings with getting ready for that dreaded Mifid II deadline, FN's last Fintech Files of the year is going to introduce you to three Christmas ghosts from fintech's past, present and future, which may give you some food for thought during the Christmas break...