will be totally different within the same period of time. However, more alarming data is that 33% of interviewed people expressed their belief they would not need financial institutions in the coming years. Amazon is deliberating on whether to add a person-to-person payment feature to its popular virtual assistant Alexa. An idea that would allow drivers in Alexa-enabled cars to pay for gasoline using their voice (CNNMoney, 2018) Acquiring new customers from the younger generation has become a challenge for the banks, a situation the FinTechs seem to be quite good at. Will FinTechs be able to help banks overcome this challenge based on their offer of services and products with greater transparency, ease, access and closeness to customers? This is a big question and some entities that have gone ahead to find answers are, in fact, already creating collaborative schemes that combine the mutual strengths. There are more and more financial entities and governments interested in approach- ing, understanding and taking advantage of the development opportunities brought forward by FinTechs. At the same time, more financial institutions are beginning to act as strategic allies of the technological innovators. Everything suggests that as the involvement of financial institutions with the Latin American FinTech ecosystem grows ―either through competition or collaboration, or a mixture of both― we will see a greater level of banking across the region and a better quality of financial products and service offerings. The above can only cause one positive thing: open individual possibilities or col- lectively, because eventually the strengthening of the financial sector will have a positive impact on the lives and economic development of each country, and then on everything, as noted by Argentine writer Jorge Luis Borges, strictly speaking, what is money but “a repertoire of possible futures”? A TWO-WAY PATH 19