By Elena Siniscalco A dizzying number of mostly youthful folks have been proclaiming all manner of “paradigm shifts” recently. “Cryptocurrency is the future!” they exclaimed, while congratulating one another on their astute investments. I am in no sense a digital native, having been born back in the heyday of transistor radios and televisions with three channels. However, having long since adopted the latest technology I see myself as a member of the BALD (“Born Analogue Living Digital”) generation. Financial technology has been coursing through my veins since I first encountered the World Wid…

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