In addition, we can point out the worldwide propagation as one of the features of the current financial crises. There were some failures of major financial institutions in the United States following the bankruptcy filing of Lehman Brothers, and failures started to be seen also in Europe.
DIGITAL BANKING SUMMIT 2019  KEYNOTE ADDRESS DR. MAXWELL OPOKU-AFARI FIRST DEPUTY GOVERNOR BANK OF GHANA  AUGUST 19, 2019 KEMPINSKI HOTEL, ACCRA  Captains of Banking Industry and Digital Technologies, Distinguished Guests, Ladies and Gentlemen,  1. Good morning and it is a great pleasure to be here today at this Digital Banking Summit.