You could read Morgan Stanley predictions on the future of blockchain which I referenced above in my earlier posts. I totally understand where they are coming from as I deal with this stuff daily. I'm in charge of foreign business development for the largest money transfer company in Europe and third largest in the world with 20 billion USD turnover. The regulation is so heavy that its a real obstacle to our work and NOTHING is going to change that. If we move even 1% of our operations to blockhain not asking the regulator we are going be closed tomorrow.