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@Viacheslav Kostin: Ah, that's easy: When your shoeshine boy gives you stock tips! 

LOL it has always been like this - in banking and every other industry.

Back in the days of dotcom boom, our ERP customers wanted Internet-enabled MRP. Now, MRP is such a heavy process that it takes many hours to run even from the enterprise network. It never ran via 2000-era 64Kbps dialup modem but we'd've lost the customer if we hadn't delivered "eMRP" module. 

As somebody said in a slightly different but still relevant context, "Anything can happen when the music stops, but as long as it’s playing, you gotta get up and dance."! 

LOL woz a time when Fintechs threatened to relegate Banks to "Dumb Pipes". I'm tickled no end to hear that Fintechs now think they need to become Dumb Pipes to survive. How the Wannabe Mighty Disruptors Fintechs have fallen - er, made such a huge U-turn.