How do you feel about the future of US Financial Services?

I’ve been following the trends in US financial services lately, and I can’t help but feel mixed about where things are heading. On one hand, some fintech companies are really shaking things up and making banking a lot more accessible and user-friendly. But on the other hand, I worry about the regulatory pressures and how they’ll impact innovation. Have you guys noticed any particular changes that are exciting or concerning? Also, with interest rates fluctuating, how do you think that will affect our trading strategies in the coming months? I’d love to hear what everyone thinks!