First, the large number of countries and regions with less developed payment systems, for instance without instant payments. In these countries and regions, one account for all at the same bank will make it easier to receive instant payments. Second, it will stimulate additional competition that may spur innovation, also in the private sector.
Companies need to assess, price and manage their climate risks, and they need to disclose these risks for markets to function well. This means companies must have reliable, consistent 1/3  BIS central bankers' speeches  and comparable ways to measure and state their exposures. Financial institutions, too, must understand and be transparent about their own exposures.