Technology adoption based on the technology alone is bound to miss the mark. Fintech will not disrupt the financial industry overnight, but when it does, it will reflect a larger and more complex social debate than its inherent technological or economic merits. Managers need to get involved in this debate now, so they can navigate the uncertainty, and decide to adopt it — or not.

Each month, the MIT SMR Strategy Forum poses a single question to our panel of experts in the fields of business, economics, and management. This month’s question asks our panel to offer opinions on who suffers most in a trade war — businesses or consumers — and why.