text: Write a literature review for your thesis on the impact of fintech technologies on competition in the banking industry. Your literature review should:
  
  Define and describe what fintech technologies are and how they are used in the banking industry
  Review and analyze the main theories and models of competition and market structure in the banking industry
  Discuss and evaluate how fintech technologies affect the competitive strategies, performance, and behavior of banks and other financial intermediaries
  Identify and assess the opportunities and challenges that fintech technologies pose for the banking industry and its regulation
  Explain how your thesis contributes to the understanding and analysis of the impact of fintech technologies on competition in the banking industry
  Use at least 20 peer-reviewed sources from academic journals or books and cite them in APA style
  Follow the structure of introduction, body, and conclusion, and use headings and subheadings to organize your main points