AI is changing financial services faster than the regulators can track. Is that a problem or just how innovation works? - actually worth it

[Compass]

Tom Lee at Consensus 2026 said crypto native firms could overtake legacy banks within a decade using AI driven financial services. BlackRock's tokenised treasury fund crossed 2 billion. AI agents are executing financial transactions. The FCA and SEC are visibly behind.

Is regulatory lag a feature or a bug in financial innovation?

[BlueFalcon]

Regulatory lag is always a feature when you are the innovator and a bug when you are the customer who got hurt by the gap

[Sparrow]

The FCA is behind but they are trying. The Sandbox model of letting companies test under supervision is a reasonable approach to a fast moving space

[Zach]

The problem is not the lag on understanding the technology. It is the lag on understanding the systemic risk. By the time regulators model the risk the exposure is already enormous

[SilverSurfer]

AI agent liability in financial transactions is the unanswered question that keeps everyone sensible awake at night

[AlexandrZakharyan]

Legacy banks are not going to be disrupted. They are going to acquire the infrastructure layer and call it digital transformation

[Phil80]

The decade prediction for crypto native firms overtaking banks is the kind of number that makes headlines and does not survive contact with SWIFT and correspondent banking reality

[Nina26]

The AI driven financial services that are genuinely interesting are the ones improving access for people who have historically been excluded, not the ones optimising returns for people who already have money

[Grim Tracey]

UK is way behind with financial services. If they don't adapt to ai and modern options it will die a slow death