填空题 .As the presidential candidates shift toward the general election, voters will hear divergent plans to address the problem of "too big to fail" financial institutions. The real threat to Wall Street, however, doesn't come from politicians, but from startups that are disrupting financial services at an unprecedented pace. In 2015 investment in financial technology (Fin Tech) startups that aim to transform the industry rose to nearly $14 billion, according to American Banker. As they gain customers, the megabanks will lose ground. "Too big to fail" also often means too clumsy to innovate. Already these institutions are finding themselves playing defense. Innovative blockchain  technology—the magic behind  Bitcoin—could  drive  further decentralization and disruption. But it isn't just banking. New startups are reimagining how we learn, eat, stay healthy and get around. This is only a start, as the Third Wave of the Internet gains strength.