The outcome crucially depends on the development and accessibility of digital infrastructures, the degree of financial and digital literacy and the adequacy of governance, including in the fields of regulation and supervision. We should make the most of the lessons learned from the pandemic crisis and exploit them to “bounce forwards” towards a more inclusive and a more resilient post-pandemic world.
The common goal is to make sure that no one is left behind, contrasting both the risk of exclusion and that of irresponsible financial behaviour, such as over-indebtedness, induced by disguised access to digital services. We see two main, complementary areas of intervention. One is raising digital and financial awareness and competences of individuals and firms, delivering educational contents also through digital means.