Information technology has disrupted the entertainment, media and retail businesses and, most recently, the supply of hotel rooms and taxis. Is it going to do the same to finance? My first response is: please. My second response is: yes. As Bill Gates has said, “We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next 10. Don’t let yourself be lulled into inaction.” This advice applies to people in the business itself, but also to policymakers.
信息技術(shù)已經(jīng)顛覆了娛樂、媒體和零售業(yè)，最近還顛覆了酒店客房和出租車的供應(yīng)。信息技術(shù)是否也會(huì)顛覆金融業(yè)呢？我的第一反應(yīng)是：那就太好了。我接下來的反應(yīng)是：是的。正如比爾?蓋茨(Bill Gates)所說的，“我們總是高估接下來2年將要發(fā)生的改變，低估接下來10年將要發(fā)生的改變。不要麻痹大意，以為不用采取行動(dòng)。”這個(gè)建議既適用于業(yè)內(nèi)人士，也適用于政策制定者。