3  Khiaonarong, Tanai, Payment systems efficiency, policy approaches, and the role of the central bank. Bank of Finland Discussion Papers 1/2003. 2  BIS Review 64/2009  Banks can better refocus on other things: collecting and acquiring customer information and local conditions – especially on the credit side of the retail banking market.
4 Recent problems with schematic credit scoring systems have certainly reminded the banks of the value of real customer information and better selection of customers. Whenever one discusses the future, it has to be borne in mind that we live in a highly uncertain world; economic, political and technological factors may or may not develop the way we have been led to expect.