I)Regulatory agencies such as the Consumer Financial Protection Bureau II)Any company in any industry that offers your customers a seamless experience III)Artificial intelligence such as robo-advisors IV)Individual consumers who are banking outside of the traditional financial system [bg_collapse view="button-orange" color="#4a4949" expand_text="Show Answers" collapse_text="Close Answer" ] II)Any company in any industry that offers your customers a seamless experience [/bg_collapse]