Five statements are given below, labelled A, B, C, D and E. Among these, four statements, when arranged properly, form a coherent paragraph. From the given options, choose the statement that does not fit into the theme of the passage.

• A Regulatory authorities have increasingly advocated the adoption of robust risk management frameworks to ensure resilience against financial shocks in an interconnected global economy.
• B Such frameworks aim to enhance the capacity of institutions to identify, assess, and mitigate vulnerabilities arising from excessive leverage and liquidity mismatches.
• C However, financial institutions often contend that stringent regulatory norms may constrain their ability to innovate and respond dynamically to evolving market conditions.
• D Meanwhile, the rapid expansion of digital payment platforms has significantly transformed consumer transaction behavior and retail financial services.
• E Consequently, policymakers face the complex task of balancing systemic stability with the need to foster innovation and competitiveness within the financial sector.