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<p><span>The financial system is undergoing fast-moving changes associated with digitalization and decentralization. Some of these innovations hold considerable promise to reduce transaction costs and frictions, increase competition, and improve financial inclusion, but there are also potential risks. With technology driving profound change, it is important we prepare for the financial system of the future and not limit our thinking to the financial system of today.<a name="f1"></a></span></p>

United statesNew yorkMassachusetts institute of technologyLacy douglasStephanie curcuruAlexandra fernandezCoco fengLael brainardCarol bertautAimee picchiDavid popeSonja danburgDavid millsInternational monetary fundFederal reserve bankCentral bank