Companies (including banks) are becoming more like “platforms” or "ecosystems" these days. Start-up companies (Fintechs & Techfins) are offering similar financial services. As a response, traditional banks are setting-up "FinTech" subsidiaries or collaborate closely with FinTech companies. As a result, you see more “mobile only banks”, offering different kinds of products and services with AI solutions. This creates regulatory issues, but governments cannot handle tech-regulation anymore. They are just not fast enough. They are not "smart" enough. The solution: the banks themselves have to step in and take over tech-regulation. However, in order to successfully achieve this, banks and regulators need to become part of the same “ecosystem”. The role of the governments will become more as "facilitators", monitoring the norms set by the banks themselves.