Kamran Ansari, a venture partner at venture-capital firm Greycroft, shared three areas of financial technology where he expects to see disruptions by startups in the coming years.Those areas are mortgage lending, insurance, and business-to-business payments.Financial technology is a massive industry, with startups taking over nearly every corner of Wall Street, from banking to wealth management. But there are a few areas that haven't been hit yet.That's where Kamran Ansari, a venture partner at venture-capital firm Greycroft, is focusing his time. At Greycroft, Ansari has driven the fund's investments in Venmo (acquired by Braintree) and Braintree (acquired by PayPal).Ansari also led the mergers-and-acquisitions effort at image-based social-network site Pinterest from January 2015 to March of this year. During his roughly three-year stint at Pinterest, Ansari spearheaded nine deals.Ansari recently talked to Business Insider about the three areas that are worth watching within fintech.Mortgage lendingMortgage lending hasn't been disrupted by startups as much as other areas of financial services, like payments, peer-to-peer lending, and asset management, Ansari said."A mortgage is not like lending out $100 to somebody to buy apparel online; you're lending out big dollar amounts," he said. "The potential risk is higher, and the amount of capital needs are higher. You have to partner with very large institutions or provide more software. There are a lot of pieces that make it challenging, but it's just a massive opportunity because it's a huge market."From Ansari's perspective, the present models in mortgage lendingin which customers have to fill out tons of paperworkare quite outdated. "If you've gone through the mortgage processes, almost all kinds of them are old school, so the space still has a lot of opportunities for innovation," he said.Ansari expects some of this innovation to happen in the business process and some to come from the loan-origination process, in which companies use technology like artificial intelligence and big data to improve each process, from scoring to underwriting to risk modeling.InsuranceThere are a number of startups in the insurance space covering automobiles, homeowners, renters, pets, and more.But some new entrants may encounter challenges. Take auto insurance, which is already well served by incumbents like Geico and Progressive.Read more: This Andreessen Horowitz general partner talks about the tech companies disrupting the centuries-old insurance industryAnother challenge is renters insurance, according to Ansari. While the market is big because of the large number of renters, premiums are small because renters aren't spending a lot for insurance. That means companies have to "put together a lot of different policies to come up with a big business," Ansari said."It's still pretty early on for the startups that have involved this area," he said. "It's hard to know who is going to win and which particular categories will stand out."Business-to-business paymentsThe US consumer-payments market is saturated from companies like Square, Venmo, and PayPal to tech giants like Apple, Google, and Samsung.But the business-payments spacehow companies pay each otheris ripe for disruption, according to Ansari.Read more: Top fintech VCs explain how PayPal missed a golden opportunityand one says why he wouldn't invest in LendingClub today"I am starting to see startups reflecting how to facilitate billing and invoicing between companies better," Ansari said. "As a business, you are buying $10,000 or $20,000 of equipment, and it's not easy to throw it on a credit card, so there have to be other mechanisms for that."Join the conversation about this storyNOW WATCH: The legendary economist who predicted the housing crisis says the US will win the trade war
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