Financial services sector is being disrupted almost on a daily basis. The key reason for this disruption is one's own Clients. Clients expect to get Financial services anytime, anywhere and through any channel. Trust is a key factor of consideration for a Client's preference on who to get Financial services from. Regulator play a major role in establishing and maintaining this trust. What can a Bank or a Fintech do to win trust of their Clients and in turn their business? Do they have to compete or can co-exist?