Please help me answer the question:

Question:

Ms. A and Ms. B are classmates in FIN 108. After viewing the video lecture about "The Emergence of Techfin", Ms. A concluded that new innovations in finance posed greater challenges to financial regulators because these people do not know anything about the internet. Ms. B on the other hand, realized that the Bangko Sentral ng Pilipinas is now having control over cryptocurrency more particularly on its issuance, value appreciation and depreciation. Who is correct? Begin your answer by saying; Ms. A, or Ms. B, or None of them, then state your reasons.(Please explain well the reasons that will fit the best answer)