16 See De Nederlandsche Bank (2019), “Financial Stability Report – Spring 2019.”  17 See Frost, J. (forthcoming), “The Economic Forces Driving FinTech Adoption across Countries, in  King, M. and Nesbitt, R. (eds. ), The Technological Revolution in Banking, Toronto University Press.
Income conditions of households still remain severe but regular and overtime payments as well as new job offers continue to increase in line with the recovery in corporate activities, and compensation of employees has stopped decreasing. As for the outlook, public investment is expected to decrease.