Special ReportFT TransformA new Financial Times series exploring the way technology is changing industry and societySupported by DeloitteFemale tech entrepreneurs are given less space to failVenture capital investors still view women as a riskier bet than menReturnships reap rewards for tech companies and womenSchemes for those returning from career breaks can help unearth fresh talent and boost diversityMacho ‘brogrammer’ culture still nudging women out of techFemale developers describe covert forms of sexism as ‘death by a thousand cuts’Why coding is not the only route into tech jobsA former journalist describes how her liberal arts degree opened doors into the sectorHands-on experience inspires girls to explore tech jobsEarly exposure gives young women the confidence to pursue roles in the sectorWhy VR is out of touch with reality for womenImmersive tech will fail to resonate with female audiences if they are absent from the creative processMore from this Special ReportFive ways banks are responding to the fintech threatAcquisitions, partnerships and ‘digital attacker’ approach are among the defencesChinese government faces peer-to-peer lending scandals dilemmaAuthorities fear that not compensating financial victims risks social unrestFintech: Regulation trips Canada’s stock exchange blockchain test The legal side, rather than technology, proves the problem for central bank pilotOnline lending: US fintechs gain from behaving more like banksPlatforms once out to change ‘the entire system’ move away from ‘tech’ — and riskArizona sandbox gives fintech start-ups a regulatory path to USFragmented US rules landscape has put off many early-stage companiesBanks find a use for blockchain: cross border paymentsThe JPMorgan-led Interbank Information Network is starting to work at scaleQuestions raised over Bitmain profits after IPO filingDiscrepancies in profit figures cited by world’s largest crypto mining hardware makerDigital bank Simple poaches Amazon exec for top jobDavid Hijirida becomes CEO at BBVA-backed fintechLloyds invests in fintech Thought MachineCompany has developed cloud-based core banking platformChina’s Alipay agrees €200m Uefa sponsorship dealJack Ma’s payments platform steps up drive to build global brandNutmeg goes from robo to humanWealth manager introduces financial advisers to give clients phone supportBanks race to make money on trade finance platformsBlockchain promises big returns for $16tn industry but revenues remain elusiveBanks complete first syndicated loan on blockchainThe technology can slash transaction times in the $4.6tn-a-year marketIndia’s fintech champion knocked by aide’s arrest for blackmailVijay Shekhar Sharma has built Paytm into a $10bn digital payments pioneerThe fintech ‘genius’ accused in $165m fraudSEC says WB21’s ‘solution’ was designed to disguise clients’ identitiesBanks jump on to the fintech bandwagonData sharing between financial institutions and tech companies puts consumers at riskKenya’s digital bond offers broader lesson for Africa fintechMobile bond provides insight into how to reduce dependence on foreign investmentAuditors grapple with crypto and blockchainBig firms respond to new products but there is a lack of consensus on rulesFormer UBS bankers to set up regulated crypto-bankSEBA aims to have banking licence in Switzerland by mid-2019What next after cryptocurrency bubble bursts?Bitcoin, the original and most valuable crypto, has plummeted from $19,000 to $6,000-$8,000