Switzerland was the first jurisdiction to allow for trading of crypto currencies within a fully regulated environment.This is possible due to the very progressive approach of FINMA, the Swiss regulator. We explain this approach and the options it offers, especially to Fintech’s.This approach also allows for a new type of bank – a fully regulated hybrid bank. (including Crypto)We also explain why the established banks are locked into a matrix which weakens their competitive position.This creates a disruption which some new banks emerging will utilize to leapfrog into a highly competitive position, offering new products and services at an unprecedented speed.Drawing from their experience of creating banks for more than a decade, Adrian and Lucas from Lloyd’s & Partners in Switzerland are explaining how these new banks are currently being planned, created and shaped and what to expect from these.