Coming into the 2015 year-end I thought several notes would be of value relative to what I, and my colleagues, have seen this year in FinTech that warrants focus going into 2016.  As a prelude, let me begin with this quote:  "Remember, in a death-match, Dragons Eat Unicorns."

That said, and in no particular order:

Remember, in a death-match, Dragons Eat Unicorns

 My advice? If you are a small institution, sell. If you are a large firm, innovate yourself out of business (look to Aviva as a model for constructive disruption), and acquire the small innovators. If possible, move to Asia immediately...Singapore and Hong Kong are your beach heads.

From a user experience standpoint, remember: the innovation is the removal of the legacy process. Think how Uber removed the payment experience…there is none. That was the innovation.

Lastly, as I begin my second holiday season in Singapore, I want to send my very best to everyone worldwide whom I have had the opportunity to work with in 2015. Your insights, honest feedback, and global perspective were invaluable. I wish you and your families the very best this holiday season and I look forward to our collaboration in 2016!

Frank Troise is one of South East Asia's leading voices on FinTech. He is an active advisor to many of Asia’s leading financial firms, start-ups and technology firms. He is the founder of SoHo Capital LLC a US-based Registered Investment Advisor and holding company. 

Mr. Troise has over twenty years of experience managing multi-billion dollar portfolios for corporations, endowments, foundations, and high net worth individuals.

Mr. Troise’s research, work op-eds, and career have been published in The Economist, Institutional Investor, The Wall Street Journal, Barrons, The Sacramento Bee, The Pacific Coast Business Times, Noozhawk, Derivatives Weekly, Pension & Investments, and Investment News. His investment letter has over 12,000 accredited readers and he is a frequent commentator on CNBC in the USA and Asia regarding market strategy for Squawk on the Street, The New Retirement Series, Power Lunch, and Street Signs.

He is married, has two young children and recently relocated with his family to Singapore. He is extending his family office experience to South East Asian families. He is originally from New York and remains a devoted (frustrated) Yankees fan. He has an MBA in Finance from New York University and a B.S. in Managerial Economics from Carnegie Mellon University.