new avenues represented by “FinTechs”, which apply digital technologies to offer inancial services. If we go through the history of humanity and inancial services, at all times it has required a great trade that demands multiple knowledge, from mathematics to geo- politics and undoubtedly from anthropology and psychology, that is, the knowledge of the client and his environment. Rigorous professional practices were rooted in the world of banking precisely because money and debt are of the utmost importance for any economic activity and, therefore, could not and should not be handled by anyone. Therefore, banks are managed by professional and talented people, who are proud of having learned the importance of their contribution to society, and who face a tenacious scrutiny by regulators whose ultimate goal is protection of the public. Thus, it is not strange then that those who manage Banking are cautious, some would say even slow to operate. This is how the 21st Century found them, with a huge knowledge of his metier, of his territory, advancing with internal technology teams, but an arithmetical pace, while the world of external technology did it at exponential speed. Until well into the 21st Century - for almost a ifth of it has passed - Banking, inancial services and its regulators have to fact the reality of a ‘two-speed world’. We are not living in a period of changes, but a change of time. Technology and en- trepreneurs are transforming the industry and FinTech players, regulators and any other agents involved in any activity of the value chain surrounding money know and experience it the changes on a daily basis. It is for this reason that a legal framework, a “FinTech Law” has been enacted, that places Mexico at the international vanguard. The legal order is like the initial maps of the Americas, which are without doubt im - perfect without doubt, but, at any case, navigable. So, Carpe diem! A TWO-WAY PATH22