Reforming financial markets involves improving access to simple, transparent, and easy-to-understand products. Increasing complexity does not facilitate the market mechanism. The purpose of financial instruments is to transfer risk to those that understand these risks, not to hide or camouflage them. Regulatory comfort and assessment should therefore be a critical determinant in pursuing financial reforms. 65.
•  Make a comprehensive analysis of costs of payment systems as well as relations between banks and trades people in the course of next three months so as to be able to make an informed conclusion on the optimum level of interchange rate to be applied on the use of cards issued in Serbia.