The Spanish Fintech and Insurtech Association (AEFI), sponsored by Cecabank, in collaboration with MasterCard and with the participation of CMS Albiñana & Suárez de Lezo, FinReg 360, Ontier, and RocaJunyent, presents the FINTECH 2.0 WHITE PAPER, a document that, like its predecessor from 2017, offers a comprehensive overview of technological innovations and disruptive tools in the field of digital finance. The aim is to make this document an accurate, transparent, and useful reference point for the FinTech ecosystem in Spain and Europe, and an essential guide to understanding it.