Luigi Zingales, Professor of Entrepreneurship and Finance at the University of Chicago, highlights concern with rapidly evolving digital financial transformation and its likely use as some centralized surveillance to gather data from people.Nonetheless, Zingales focused mainly on the enormous possibilities and benefits it can bring to the user/client. He narrated how inefficiency, new tools, and strategies in the financial market are stepping up to the opportunity. Through an example, he illustrated how a technology firm helps people manage their finances in a way that might eventually undermine the power of credit card companies to unscrupulously charge people. In all, Prof. Zingales emphasizes the importance of the lab’s audience, who are financial regulators, to rethink regulation to be pro-consumers.