Thank you, Julapa. Good morning, everyone. It is my distinct pleasure to welcome you to the Federal Reserve Bank of Philadelphia and to our Ninth Annual Fintech Conference. As we begin the conference, I’d like to share my perspectives — and some of the questions that I am grappling with as we consider the conference theme: how to harness the benefits and mind the risks of fintech innovations. These are of course my own views, and not necessarily those of the Federal Reserve System or my Federal Open Market Committee (FOMC) colleagues. As I look around this room, I’m struck by the extraordinary depth and diversity of ... (full story)