Information technology has disrupted the entertainment, media and retail businesses and, most recently, the supply of hotel rooms and taxis. Is it going to do the same to finance? My first response is: please. My second response is: yes. As Bill Gates has said, “We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don’t let yourself be lulled into inaction.” This advice applies to people in the business itself, but also to policymakers.
信息技术已经颠覆了娱乐、媒体和零售业，最近还颠覆了酒店客房和出租车的供应。信息技术是否也会颠覆金融业呢？我的第一反应是：那就太好了。我接下来的反应是：是的。正如比尔•盖茨(Bill Gates)所说的，“我们总是高估接下来2年将要发生的改变，低估接下来10年将要发生的改变。不要麻痹大意，以为不用采取行动。”这个建议既适用于业内人士，也适用于政策制定者。
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