In legal, to me, it will be about the challenger law firms... just have to flip a few things upside down. And, introduce a disruptive new model of doing business in this space. And that will happen in law, and you see this already, you see this with, for example, Deloitte legal, coming out. And there are a few new-law law firms, as well that are in this space and are trying different models.

In technology, when you're building products and in any industry that you look at that has been disrupted and innovated over time, all of them share in common, failing fast and trying different things. And you know, they say only 1 in 10 disruptors or startups will work out. The other nine will fail, but you kind of need that churn, that turnover in the markets of different players trying and failing and learning from each other in order to get that 1 out of 10 that is successful. 

And that is true in a market, and it's also true within an individual organization where if you don't have that culture of trying failing, then it's much harder to learn from mistakes and it is much harder to finally get to a solution that works.

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• The concept of challenger law firms, and how they might disrupt the legal profession
  
  

It's just that inevitably compliance is becoming more and more a strategic function. It's no longer just about knowing what you can and cannot do and responding to internal requests. it is just inevitable becoming more strategic because the industry is becoming more complex as well. And that's what RegTech is really about - at the end of the day, enabling that function.