Having spent a significant part of my career in the financial industry, I've seen firsthand how the approach to technology adoption has evolved. What once started as a rush driven by FOMO – Fear of Missing Out – has now shifted to a more cautious approach I call FOMU or Fear of Messing Up. This shift marks a significant change in how financial institutions navigate fintech adoption and the need to balance innovation with risk.

This shift in mindset takes me back to the lessons from some of the great coaches I worked with during my NFL days. John Harbaugh, head coach of the Baltimore Ravens, often recited a piece of advice from his father, Jack Harbaugh: “Attack today with an enthusiasm unknown to mankind.” This isn’t just about sports; it’s about how you approach any challenge, including those that come with adopting new technologies. If you approach these challenges with enthusiasm and a willingness to learn, you’ll find that the risks become more manageable.