FinTechs, Accountability, Ownership, and Scalability

The rise of banking as a service, the entry of what you might call more regional or community banks, how they are partnering with greater velocity to FinTechs. And then over the last three years or so, maybe longer in some cases, the rise of the middleware, right? The API layer that these companies are connecting banks, partner banks, and FinTechs; there's just so much complexity, right? So where does the accountability lie? Where does the ultimate compliance burden lie? How should the communication flow between all these entities so collaboration can take place around compliance?