Financial innovation is a change of the its traditional mode to avoid financial regulation and risk.

金融创新是对其传统模式的一种改变，以避免金融监管和风险。

One of the most striking changes in transport is the dependency on cars or personal vehicles that are replacing traditional modes of public transport such as buses, trains, and bicycles.

交通最显着的变化之一是对汽车或私家车的依赖， 它们正在取代传统的公共交通方式，如公共汽车、火车和自行车。