I see that the fintech sector is exploding with new and innovative products and services. Since it covers monetary transactions in the fields of credit, payments, insurance and trading, most of which are processed in end-to-end processing (STP) mode, regulatory compliance is a must. Promoting innovation without the overhead costs of over-regulation and consumer protection requires a balanced approach, for which regulators in many countries have adopted a "regulatory sandbox" approach and allows authorised companies to test their innovative products, services, business models and delivery mechanisms in the real market, with real consumers, on a trial basis. It helps reduce time-to-market at low cost, improves access to capital and ensures compliance with compliance requirements. These regulatory sandboxes allow direct communication between fintech developers, companies and regulators, while mitigating the risks of unintended negative consequences, such as security breaches. It is nice to see that CRW meets these criteria.