Crypto-speak and fintech buzzwords – the financial services technology space is awash with either new vocabulary or new use cases for existing concepts. The reality is that much of the jargon used by vendors to hype up technology is simply intended to make it sound or look exciting and new, when often the truth is something else entirely. So, let’s look at a couple of the more popular buzzwords, “cloud” and “composable”, to explore what lies beneath.