As an American entrepreneur who has been architecting and managing FinTech for more than two decades the face value of this title is incorrect. As far as the contents of the article suggests it too is incorrect as many businesses, "undiscovered" of course, have had such functionality for years and it is just now that attention is being brought to these techniques since the start of this FinTech craze. Fun times none the less for those with the experience and a proven solution during this FINsanity!