国际清算银行：双边事务：银行业中的银行和科技公司（英文版）

The widespread adoption of digital technology is fundamentally altering the way customers interact with the financial system. Digital advancements have opened avenues for tech firms to broaden their presence in the financial sector, stimulating demand for innovative methods of payment, borrowing and saving. Today, with just a few taps on a mobile device, access to banking services can be executed swiftly and seamlessly, often without a bank in sight from the customer’s perspective. Tech firms