Not all FinTech providers are FinTech firms — the reasons behind that help bring a deeper understanding of the modern digital economy. That said, digital technology continues to bring efficiencies to relatively mundane but vital parts of business, and that includes the task of calculating mileage reimbursement. Fraud tethered to those reimbursements certainly exists, but fresh focus is turning to fraud conducted via the Internet of Things. Beyond fraud, another focus of the early 21st-century digital world involves banking-as-a-service.