Old-fashioned approaches to finances and economics are already history. Why is fintech getting so popular? It is faster, more accessible, and more flexible. Fintech apps’ appearance was one of the main recent trends in global economics. But what does one need if they want to design their fintech application?

Today neither students, nor teachers and professors can imagine their daily routine without online studying due to the ongoing COVID19 pandemic. Dozens or even hundreds of online services are being used daily by both scholars and education staff. However, it is not the pandemic we should give all the credit for online education to exist. Alternative ways of studying appeared as early as the XIX century. Advanced tech such as steam engines and the railway assured faster and more reliable correspondence delivery, thus making remote education possible. The very next important step towards online learning was made in the XX century with computers and the Internet being invented. In 1989 the University of Phoenix became the first institution to launch a fully online collegiate institution providing both bachelors and masters degrees. A few years later in 1994 the International University (Missouri) became the first fully online-based higher educational institution. Nowadays all major universities use online platforms to provide education services to their students. And again: it all has started even before the pandemic. Educational institutions used numerous platforms as secondary or even major tools in their work. The most advanced universities paid great attention to elearning platforms development. They used online platforms as a single place, where students could send their homeworks and get all the necessary materials to cram for their exams.