Could it be that Facebook is the father of disruptive approach of some digital firms nowadays? As peculiar as it may sound, yes. Mark Zuckerberg’s rebellious philosophy represents somewhat the same values that the digital market has today. To be acting fast, and break the order. And although Facebook has moved on from that philosophy, it still remains within the fintech market.
Neo-banks have captured it, as they are mostly the disruptors tackling the current status quo on different levels. But let’s not generalize, as not the whole market is focused on dismantling and disrupting the system. There are some institutions that are focusing on regulating it, and those are central banks of course.
Current economy has requirements for them. Central banking needs to be relatively stable even in the times of big shakes (such as Covid-19 times). And with the increased uncertainty of the current world, the circumspect bastions are much in demand. And to correctly respond to the market demands, central banks have to make a shift and invest in innovation - there seems to be no other way.