ers performing transactions, out of which Mexico registered 2 million active users in 2017. Mexico is the most important market for PayPal in Latin America (PayPal, 2018). According to the information available in the report FinTech: Innovation You did not Know was from Latin America and the Caribbean (IDB and Finnovista, 2017), the FinTech movement is a very recent phenomenon in the region. The report shows that 60% of the participating startups were created three years ago or less, and only 18% stated having been created more than five years ago. The FinTech adoption rate When television was created, it was thought that it was the end of movies; when the is barely 33%, which indicates Internet was born, it was said newspapers would come to an end. The predictions regarding any significant change or revolution, in any industry, have always been that this type of company still has much fatalistic speculation. There are often a lot of false ideas about how technology will to do to cement themselves. impact the current state of affairs, however, in practice, these supposed paradigm changes never substitute completely to the state of the previous art. This was also experienced by the financial industry following the arrival of FinTechs. Why? Because the old paradigm is still useful and generates value. The new and old financial models exist alongside one another: while some consumers adopt the new financial services, there will always be other consumers continuing to find value in the traditional proposal. The adoption rate of FinTech is barely 33% (EY, 2017) worldwide, which indicates that FinTech companies have a long road ahead to position themselves among the most conservative users. However, it is difficult to know how long these users will continue looking at both sides: the old model which they are familiar with and new financial services that may offer a better alternative. While it is impossible to predict what the future of the financial industry will be in the next ten years, the banking sector is learning to cohabit with FinTechs in a market dynamic different from the usual, where the forces of competition and collaboration only came from other banks. A TWO-WAY PATH 14