My appearance on Regulatory Ramblings, a podcast from the HKU FinTech team at The University of Hong Kong on the intersection of all things pertaining to finance, technology, law and regulation. Hosted by The Reg/Tech Lab, HKU-Standard Chartered FinTech Academy, Asia Global Institute and the HKU-edX Professional Certificate in FinTech, with support from the HKU Faculty of Law.  I discussed my paper presented at the European Central Bank’s Legal Research Program Seminar, which examines frictions arising from settlement finality, data protection, AML/CFT compliance, and governance.