Why isn't this stochastic integral trivial?

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I have a stopping time $\tau$ and a stochastic process $f$.

Then the following equation is true:

\begin{equation} \int^{t\wedge\tau}_{0}f(s)dW(s)=\int^{t}_{0}f(s)\chi_{[0,\tau]}(s)dW(s) \end{equation}

Can someone explain why isn't it trivial as it is with a 'normal' Riemann integral?