<p><img src="https://images.cointelegraph.com/cdn-cgi/image/format=auto,onerror=redirect,quality=90,width=840/https://s3.cointelegraph.com/uploads/2023-10/e1a8d654-8d4d-4b84-8662-d8b7059b9132.jpg"></p><p>Michelle Bowman told a university audience that financial innovation should be justified by need and be properly regulated.</p>