The recent Chinese crackdown on tech entities and their use of data hints that the shape of the digital financial landscape depends sensitively on what is deeme

The recent Chinese crackdown on tech entities and their use of data hints that the shape of the digital financial landscape depends sensitively on what is deemed acceptable (read: legal) information flow in any jurisdiction. In this sense digital finance will be created by decree rather than as the unavoidable culmimation of some particular "tech innovation". Underneath the huge risks there is always the potential that easier collection and dissemination of information will support a "better" financial system, somehow combining the best rather than the worst of "fin" and "tech".