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Technology plays an increasingly important role in financial services. With the pace of technological innovation
moving ever faster, the role new technology plays in the provision of financial services is becoming increasingly fundamental. New technology can generate efficiencies for firms, lowering costs that can be passed on
to end users. It can increase access to financial services and products for consumers, particularly the most
vulnerable; however, new technology can also create new risks and unintended consequences that can harm
financial stability, consumer protection, and market integrity.