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Ideas that move Fidelity forward.

The Fidelity Center for Applied Technology^SM, or FCAT^SM, is a catalyst for breakthrough achievements in research and tech. We assess, test and scale concepts and ideas that advance Fidelity’s market leadership and enhance every customer’s experience. FCAT teams are curious, inquisitive, and intently focused on the future.

FCAT RESEARCH

Seven Trends Shaping the Future of Fintech

BY: ALE VIGILANTE & CAROLINE FEDERAL | OCTOBER 1, 2020

In just five years the fintech landscape has shifted from a focus on solving vertical narrow problems, to being driven by broader horizontal trends. We have identified seven of what we believe are the most important trends shaping the future of fintech.

Thinking Ahead

FCAT teams are always looking beyond the horizon. We analyze social trends and experiment with an array of technologies that may impact Fidelity and its customers over the next five years. The projects featured below represent a small sample of the types of work we engage in every day.

Blockchain Project

Hashrate Derivatives

BY: BRIAN WRIGHT | October 26, 2020

A Bitcoin miner’s revenue is heavily dependent on two hard-to-predict variables: bitcoin price and network hashrate. Miners produce hashrate. The probability a miner finds a Bitcoin block and receives the block reward and transaction fees is simply a function of the miner’s hashrate divided by the network’s total hashrate. When network hashrate increases, the miner’s likelihood of finding a block and receiving bitcoin therefore decreases. We are researching and experimenting with a range of novel difficulty and hashrate derivative contracts to learn how miners can incorporate the contracts into their strategies to reduce risks associated with unexpected increases in network hashrate.

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Emerging Tech Project

Sustainable Funds Discovery

BY: JAMIE BARRAS | July 9, 2020

The team created an experimental, interactive virtual table where users search and arrange funds by category, compare attributes, and switch out one fund for another. Could this be an easier way for investors to make decisions?

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Emerging Tech Project

My Phone is My Interface

BY: CHRISTIAN LAUGENBERG | July 9, 2020

Touch screens are all around us. Given new health guidelines on touching surfaces, we tested methods that let people engage with a touchscreen, without contact.

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FCAT EVENTS

Crypto Privacy Conference

Watch the replay of the two-day Crypto Privacy Conference presented by Fidelity Center for Applied Technology (FCAT).

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This website is operated by Fidelity Center for Applied Technology (FCAT)^SM which is part of Fidelity Labs, LLC (“Fidelity Labs”), a Fidelity Investments company. FCAT experiments with and provides innovative products, services, content and tools, as a service to its affiliates and as a subsidiary of FMR LLC. Based on user reaction and input, FCAT is better able to engage in technology research and planning for the Fidelity family of companies. FCATalyst.com is independent of fidelity.com. Unless otherwise indicated, the information and items published on this web site are provided by FCAT and are not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any Fidelity entity or any third-party. In circumstances where FCAT is making available either a product or service of an affiliate through this site, the affiliated company will be identified. Third party trademarks appearing herein are the property of their respective owners. All other trademarks are the property of FMR LLC.

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