For  nancial services, this includes access to  savings products that offers safety of money and, also, enhances the time value of savings through returns or minimising the erosion of value due to in ation.
These resources (deposits) are available to create  additional value through lending to others; that is credit extension, which enables immediate access to the requisite amount or ow of funds to  fi  fi  fl  fi  fi  fi  fi  fi  fi  fl  3  implementation of business ideas, innovation, and viability of economic activity, as well as, for individuals, consumption smoothing over a lifecycle.