Although banks have been going digital for years, and “fintechs” have been around for a while, the industry has not fundamentally changed. That is because disruption can happen only as quickly as regulators allow it. The pace is limited not only by valid safety and soundness considerations but also the painfully slow speed of regulatory innovation. We are trying to regulate a digital world with 20th century architecture that was designed for physical assets.
盡管數年來銀行一直在走向數字化，“金融科技”也已經存在了一段時間，但這個行業還沒有發生根本性的變化。這是因為，變革只能以監管機構允許的速度進行。變革的步伐受到限制，不僅是因為安全和穩健方面的合理考慮，也因為監管創新的進展非常緩慢。我們試圖以20世紀形成的為實物資產設計的架構來監管數字世界。
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