Challenge of FinTech

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?
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