While it would be possible to maintain mobile wallets independent of a bank account, the Central Bank intends to impose a ceiling on how much digital currency could be maintained in mobile wallets. High volume use will require a passthrough flow of funds to personal bank accounts. Business accounts would always fit this profile.
The first pay-as-you-go pillar fulfils the role of full merit and the second capitalization pillar fulfills the role of pension savings; both of which will be obligatory. The third supplementary pillar fulfills the role of additional pension insurance choice. The objective of this reform is to adjust the system to demographic changes and to changing features of the society.