Financial technology is reshaping the banking industry, and we must actively embrace change rather than passively wait to be changed.

'Jeff, what does Day 2 look like?' 'Day 2 is stasis. Followed by irrelevance. Followed by excruciating, painful decline. Followed by death. And that is why it is always Day 1.' To be sure, this kind of decline would happen in extreme slow motion. An established company might harvest Day 2 for decades, but the final result would still come.

我不是说唱歌手，我是一个法语的传奇。

专家就是在一个非常狭窄的领域里犯了所有可能犯的错误的人。