Traditional banking is subject to intense oversight, and regulations have only become more onerous in recent years, as regulatory authorities reacted to the 2008 global financial crisis by tightening rules on leveraging ratios and know-your-customer requirements. Many upstarts in the sector have carved out a competitive advantage by avoiding thresholds beyond which they would face substantial regulatory scrutiny and requirements.
传统银行业需要受到严格的监督，而监管在近几年变得更加严格，因为监管当局为了应对2008年全球金融危机，收紧了杠杆率规则和对客户了解程度的要求。许多该行业创业企业的竞争优势来自避免达到某个阈值，超过这个阈值，它们就必须面对大量监管检查和要求。