The good, the bad, and the ugly of financial democratization

From crypto and Web3 to Robinhood and Reddit, democratization underscores it all. While it’s a largely benign concept that aims to level the playing field between institutions and individuals, it’s also really hard to get right.

Over the past year or so, some of my reporting has kept me coming back to two key themes—money and technology. On its face, that makes sense; this is WatersTechnology, a publication that covers data and technology as they relate to the capital markets. The way this outlet cares about money and technology is through the lens of helping end-users do their jobs better—showcasing innovative ways to trade, make deals, speed up slog and, hopefully, hold some vendors and institutions to account along

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