Synopsis:
The technologies of money, both on the side exposed to the consumer and the side handled by financiers, contain great potential, but also great risk. The more significant examples in recent memory, like Bitcoin, consumer data tracking, PayPal, etc, have not been without their challenges -- and often remain in flux to this day.
With such implications, it's impossible to tell whether the result of a particular technology will be positive or negative. It may be that we simply must decide whether to take the risk for any given technology, and find out whether it was worthwhile only in hindsight.
Related Reading:
https://www.wsj.com/articles/next-in-googles-quest-for-consumer-dominancebanking-11573644601?mod=rsswnhttps://en.wikipedia.org/wiki/Libra_(digital_currency)
https://www.investopedia.com/terms/f/fintech.asp