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According to Chapter 6 in Bank 4.0 (FinTech or TechFin - Friend or Foe), what cultural change must banks make to work effectively with FinTechs?

According to Chapter 6 in Bank 4.0 (FinTech or TechFin - Friend or Foe), what cultural change must banks make to work effectively with FinTechs? Question 5 options: 1) Move towards a hierarchical structure. 2) Adopt longer development timelines. 3) Accept more risk and embrace innovation. 4) Empower the compliance department

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