Technology tends to have a high degree of obsolescence. Thus, the financial institutions will have to invest heavily in the development of their IT systems, which might initially burden their resources. For this purpose, the financial industry will have to optimize its resources for technology applications. The immediate solution might lie in sharing of facilities.
However, according to different metrics, investment funds have started to take more credit risk and invest in less liquid assets. Although the developments in the investment fund sector may not pose immediate financial stability concerns, they require close monitoring. Second, in parallel with the increasing importance of non-banks, the relative importance of traditional loan products has decreased, at least in some countries.