Whether the agents are banks, specialised payment service providers or multinational technology companies, authorities have a responsibility to safeguard against systemic stability problems. If it looks like an elephant, walks like an elephant and snorts like an elephant, then it should be regulated as an elephant.
In addition, counteracting misuse of the financial infrastructure for tax evasion or money laundering and terrorist financing is at least as important in the future as it is today. So to sum up, lessons in Denmark are that digitalisation benefits society and that one can reap the full value if one is willing to adjust.