Today, Brett has Jim Marous, co-publisher of the Financial Brand and a Breaking Banks regular on the show to talk about expectations for 2016. We also have Jesse Podell, a mentor at Startupbootcamp Fintech talking to us about what is happening at CES and Ian Kar from Quartz telling us all about ApplePay in China and the possibilities when they enter P2P markets. And then Ben Miller from Fundrise, the initial real estate investment site to utilize crowdfunding, about the growth and appeal of real estate investment and the ability of crowdfunding to democratize entry into it.