What are the ways in which innovation and technological enhancements have increased certain costs for financial institutions and banks?
To what extent (if at all) have financial institutions and banks passed these costs onto consumers and corporate clients in the form of increased banking fees?
What are the ways in which innovation and technological enhancements have decreased certain costs for financial institutions and banks?
Apart from cost impacts, how else has financial technology changed the way financial institutions and banks conduct business?
What are some of the new risks faced by financial institutions and banks, as a result of financial technology and innovations?

A research paper and critical review of how innovation and technological enhancements have both increased and decreased costs for financial institutions including banks