Certainly the way ahead will bring about legal and legislative reforms that need to be embraced in the road to a single currency. I thank you honorable Chair for your kind attention and wish you fruitful deliberations over the next two days of your meeting. BIS Review 26/2010  3
To address these problems, the BOU has launched a program to promote financial literacy, through educational activities. The BOU has also prepared consumer protection guidelines for commercial banks and publicized these in the media. To conclude, I want to emphasize the complex challenges facing policymakers. There are fundamental economic reasons for why large parts of the population are excluded from financial services.