Sironi's FinTech Innovation is quite an insightful book. I'd say it explains detailed information about FinTech and Financial Innovation.  He strikes a balance between being cautious about having too much faith in AI and being optimistic about automation and personalisation. His argument that investing should be linked to user objectives and behaviour rather than financial abstractions really struck me.  I've given it a 4/5 based mostly on how Sironi explains in chapters talking about the given topic not the book as a whole though.  The book is a good read for anyone interested in the future of fintech and investment, even though it sometimes feels a little advanced.