To summarise very broadly the thrusts of the agenda, let me begin with a key lesson: the need in future to take a system-wide approach to the assessment of financial system and economic conditions, as well to the system’s regulation, rather than focus alone on the health of individual institutions, markets and products.
A less cash society is expected to precipitate  BIS central bankers’ speeches  3  more balanced growth with more widespread use of non-cash payment instruments amongst the public. 18. The National Non-Cash Movement is critical to hasten the realisation of a more efficient economy as well as better governance in terms of financial management amongst the public, business players and government institutions.