Just at the time when the cohort of COBOL programmers who wrote the business logic and compliance s/w for almost all finance/fintech institutions which predate the modern era of software, and exist as inner core "DO NOT TOUCH IT" code, are dying off. Which to me represents both an opportunity and a threat. The opportunity is to take the maintenance of the "DO NOT TOUCH IT" out of the greybeards hands, before the lid goes on the coffin.

The threat is that nobody is going to be asking "we did it because we could do it, but nobody asked if we should do it" about almost any change coming down the line.