LAGUNA BEACH – Steadily and indisputably, the financial services industry – with which we all interact, whether as borrowers, savers, investors, or regulators – has embarked on a multiyear transformation. This process, slow at first, has been driven by the combined impact of two sets of durable forces.
拉古娜海滩—金融服务业——我们所有人都与它有往来，不管是借款人、储蓄者、投资者还是监管者——已经进入了为期多年的转型，这是一个稳定的、无可争议的趋势。这一过程一开始很慢，它是由两大持久力量的合力推动的。