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.
尽管数年来银行一直在走向数字化，“金融科技”也已经存在了一段时间，但这个行业还没有发生根本性的变化。这是因为，变革只能以监管机构允许的速度进行。变革的步伐受到限制，不仅是因为安全和稳健方面的合理考虑，也因为监管创新的进展非常缓慢。我们试图以20世纪形成的为实物资产设计的架构来监管数字世界。
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