John Doe, Senior Financial Analyst at T. Rowe Price, brings over 15 years of experience in analyzing the financial sector, with a particular focus on emerging markets. He specializes in assessing the impact of technological advancements on traditional banking systems and has authored numerous reports on fintech developments. John's in-depth knowledge and forward-thinking approach provide valuable insights into the competitive dynamics between fintech firms and banks. He holds a Master’s degree in Finance and is a sought-after speaker on topics related to financial innovation and market trends. Jane Smith, Lead Economist at T. Rowe Price, has extensive expertise in emerging market economies and the financial technologies shaping their future. With a robust background in economic analysis and a keen interest in technological disruptions, Jane offers a comprehensive understanding of the fintech landscape. Her research focuses on the intersection of finance and technology, providing actionable insights for navigating the complexities of emerging markets. Jane holds a Ph.D. in Economics and has published widely on the subject of fintech and its implications for global banking.