I have only recently returned to WatersTechnology, after a couple of years away covering another beat for our sibling publication, Risk.net. That means I haven’t exactly been keeping abreast of many of the tech changes that have happened to the markets we cover. In some ways, I feel as though I’ve been asleep, and I’m now waking up and coming down from the mountain, like a fintech Rip van Winkle.

Washington Irving’s protagonist returns from his decades-long slumber to find that the American