Reading https://www.accenture.com/us-en/insight-future-fintech-banking.aspx Difficult to fast deploy new techonoly banking service would be added incrementally to non-financial service offerings. Openness, Collaboration, Investment making customer's life easier not on asset monopolies. Bank Open API for the innovators to create new service (isn't what Chinese 3rd party payment companies do?) The bank provide a open platform for the newcomers. How to manage the risk, and how to execute the compliance for those 3rd party products?