Money makes the world go round and institutions have grown to create and extract value as it journeys around. Some of these institutions are central banks, commercial and retail banks, investment banks, savings and credit cooperative organisations, brokerages, insurance companies, mortgage companies and most recently digital lenders.
Many have run for decades, some even centuries, on the back of ways of work that have remained unchanged, often by design, maintaining a status quo that has best served the sector, channelling capital, mitigating risk and facilitating transactions.
