You could argue that it is not the technology stack that creates a barrier to entry for financial services but rather the existing relationships and levels of c

You could argue that it is not the technology stack that creates a barrier to entry for financial services but rather the existing relationships and levels of comfort with the regulators. Said another way, let's assume the regulator is not keeping up on the latest and greatest trends. Let's also assume the regulator wants to avoid adding lots of extra work and due diligence. We could assume the regulators were not quite as smart as the higher paid banking executives. What do you think the response will be when you push for big changes that need to happen quickly? What incentives exist for regulators to change?