I need you to analyse only UK Fintech literature and show what impact does it do to banking sector. Add your analysis to one or several topics, that I already have. Do not write on other topics.
These are the topics:
1. Fintech concept and increasing technology penetration and availability
2. Reduced operating costs and increased productivity and stability in the banking sector
3. Impact of regulatory mechanisms and competition on banks
When you will send me a final paper, I need to see the topic name and then the text that matches the topic. Eg:
My topic name
Your text