In financial services, the label “transformative” often fades to “disappointing”. Would-be disrupters, ranging from peer-to-peer lenders in the west to China’s new online banks, risk co-option by incumbents looking for new sales outlets. A particular challenge for Chinese challengers is that the authorities may prevent them making too many waves.
在金融服務這一行，“變革型”這個標簽到頭來往往褪色，變成“令人失望”。從西方的P2P貸款機構到中國新生的在線銀行，潛在的顛覆者有可能被尋覓新銷售渠道的老牌機構拉攏。對中國的挑戰者來說，一個特別挑戰是當局可能阻止他們引發太多漣漪。
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