On January 23 , 1996, the first released version of the Java programming language with probably no notion how it was going to revolutionize the Financial Industry nearly 20 years later. Now financial companies have a platform to create technology while using big data to drive decision-making. Imagine Clark Kent from Superman for the first time ripping his shirt open exposing his large “S” symbol on his chest to expose the world to the truth while providing a solution. The Finance Industry today could be considered Clark Kent. Clark’s transformation into Superman is closely related to the Financial Technology (FinTech) Industry about reinventing lending options for stakeholders.