Avantages
Financial technology supports the fraudulent, deceptive world of financial usury, most commonly perpetrated by central banking, predatory lenders, credit card issuers, the credit card payment industry, and "legalized" counterfeiters (a.k.a the Federal Reserve System in the USA). As this monetary paradigm blankets the entire world and is the backbone and infrastructure of all human commerce, trade, and consumerism, this industry definitely has longevity and continued growth (not withstanding the eventual Apocalypse).
Inconvénients
Fintech software and SaaS development companies, such as Aperia Solutions, tend to manifest the evil nature of the industries this technology enables. Owners of these types of companies tend to be despotic. They cheat their clients by up-billing whenever they can get away with it, and they treat their employees like refuse after they have squeezed them dry of whatever services they were able to provide. Many of these companies, such as Aperia Solutions, have offshored their development needs to Vietnam, Poland, or wherever they can exploit cheap labor.