‪if banks are going to implode because negative rates ‬ ‪&‬ ‪if big tech is going to be reined in because regs‬ ‪&‬ ‪if fintech startups will never make it big because cac ‬ ‪& if chinese fintech/big tech is staying home because trade wars‬ ‪then who will provide banking services? Starbucks?‬ …see more