"As a result, the scope and nature of banks’ risks and activities are rapidly changing and rules governing them may need to evolve as well." The Basel Committee writes rules for the larger banks operating in all the world's major financial centres. It looked at risks and opportunities from fintech before considering next if any new rules are needed. "The fast pace of change in fintech makes assessing the potential impact on banks and their business models challenging," Basel said.

https://www.nytimes.com/reuters/2018/02/19/business/19reuters-basel-banks-fintech.html