The article highlights three financial technology (FinTech) firms - Cellulant, Banco de Crédito e Inversiones, and ZestMoney - that are using technology to disrupt markets and bring banking and credit services to the underserved masses. These companies have taken their operations to the cloud with Amazon Web Services (AWS), which has enabled them to scale rapidly and efficiently. New Relic monitoring is also being used by all three firms to provide visibility into their services, ensure constant availability, and optimize performance. The use of New Relic has resulted in significant benefits for each company, including reduced infrastructure costs, faster issue resolution, and increased innovation.