Investors in banking stocks have had a frustrating three years, while many invested in financial tech have reaped huge rewards over this period. Ben Heap, co-founder of venture capital firm H2Ocean, told Livewire a key reason fintech has done so well is the agility that start-ups enjoy, while the size of majors makes it hard to compete. Yet start-ups and majors form a highly complementary ecosystem, with majors effectively outsourcing product development risk, and often invest in those companies that look likely to succeed. For example, AMP recently invested in an Australian fintech start-up that allows investors to take a position in specific investing thematics. To hear about this company, and the vast opportunity in disrupting a sector that represents over 30% of the ASX, please watch out exclusive insights below.