This issue of Cutter Business Technology Journal describes the range of methods, tools, techniques, and applications of the fintech revolution. The articles demonstrate fintech’s importance and explore the different levels of fintech technologies, experimentation, and applications. While many questions remain, fintech is unstoppable. Institutions, companies, and whole countries are adopting it for financial, political, and even military purposes. Make no mistake: fintech is a game-changer.

While the cloud computing market has already achieved some major milestones since its inception, it still remains one of the hottest markets in terms of growth, spending, and revenue generation. Indeed, it is still making its way up a steep growth curve, and as more features and functionality are added that allow businesses to embrace new business models and enable innovation, the growth shows no signs of slowing. Here, we offer 7 astute evaluations of the opportunities afforded by cloud computing solutions, myriad challenges that we face, and several strategies that will enable us to move forward successfully in our transformation journeys.

What’s the best way to start building a digital business? Starting from a data warehouse just makes sense. Of course, the architectural thinking and technology offer valuable intellectual capital to IT. But the real value comes from the decades of experience in information/data governance and management, as well as the interpersonal and organizational skills that DW imple­menters have gathered. As you will see from the articles in this issue, the contributors are on the same path.

While issues around data and information governance are starting to get the attention they deserve, business and technology leaders still need help finding their way through all the conflicting demands. In this issue of Cutter Business Technology Journal, several authors present their perspectives and recommendations on this complex web of issues. 

This issue of CBTJ demonstrates the seemingly con­tradictory idea that architecture — something often per­ceived as structural, static, constraining, governing — is actually the enabler for an organization to become more agile and fluid, from strategy through execution.