I think we should recognize that there can be a tension between the need for financial stability in the overall payment system and the need to innovate to keep up with the demands of modern technology and lifestyles. However, we should also recognize that this tension is not necessarily troubling.
By definition innovation means doing something new, which usually involves taking risk in furtherance of some gain. But at the same time, we should be vigilant in balancing the benefits of innovation with the safe and reliable operation of systems and critical activities.