Welcome to the fourth 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.

Blockchain: time for blue sky thinking is over As the banking and tech sectors are in Toronto this week to discuss the latest trends and developments at Sibos, it’s time to take stock of fintech’s biggest promise of the last few years: blockchain. Industry insiders tell me that the honeymoon period for the technology - which was originally created as the infrastructure to underpin the cryptocurrency bitcoin - is well and truly over. There are signs that the market is getting impatient.