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Maybe banks around the country have been looking at the front windshield while ignoring what is speeding up in the rear view mirror. Banks have been evaluating how to adapt to the new financial regulatory structure that include cryptocurrencies, blockchain, trust services, etc, and bring themselves into the digital "new world."

Last week, the Treasury Department announced it was fining Morgan Stanley $60 million over mishandled data center decommissioning back in 2016. The agency said several Morgan Stanley hardware assets still contained customer data after these retired assets reached a recycling station.