If we want to find good regulation for a digital financial world, we cannot build it on superficial distinctions: we have to look closely at each and every case. Be it crypto currencies, robo advice or payment services – whether it constitutes a risky financial business or merely an additional service may depend on details.
In conclusion, on the occasion of this Platinum Jubilee, I wish you and your families all the very best of health, happiness and fulfillment. BIS Review 42/2009  3