Once the responsibilities for managing customers money will be spread between banks and fintech services, its possible that at some point the system will become

Once the responsibilities for managing customers money will be spread between banks and fintech services, its possible that at some point the system will become too complicated to foresee potential risks (in this case it could be cyberattacks on infrastructure or instability of the banks due to the lower profits, increasing costs and faster money flows). As we know from our history, misunderstood risks may eventually lead to crisis. What are the guarantees that it won't happen in this case?