'Our hypothesis is that financial institutions are major players in many, if not all, aspects of fintech, but especially in blockchain technology and robo-advisers. Hopefully, through a balanced and connected discussion, this realization will take hold.'

This seems to be a sound hypothesi for Financial institutions that as such are given in a structure that is affected by an event, new technologies. Thus, they are able, through attentiveness to the structure as a whole, to accurately pose the data of the problems posed by new technologies, to seize and exploit them by responding to the explicit and implicit needs that can be expressed in another form.