Ask HN: Is fintech harming us with their innovation?

4 points by dev_0 ↗ HN
Which is just a bypass of system because they are not regulated like banks

1 comment

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What specific bank regulation are you referring to?

How much of bank regulation is smart, genuinely well-intentioned, and actually is enforced?

How much of bank regulation exists to protect people, and how much of it really exists to restrict potential competition in the marketplace?