This is therefore high on the ECB’s strategic agenda. Our second panel today will explore how we can drive integration further and unleash the full potential of an integrated European market. Cyber resilience and challenges for regulators All progress comes with risks as well as opportunities. And one highly topical risk linked to digitalisation is cybercrime, which is on the rise.
o  Micro finance A separate strategy for micro finance may have to be evolved, as this involves providing low income families with access to banking. Invariably banks have found it advantageous to partner with community based organisations and NGOs working in the area for microfinance.