I am quite confident that market processes will move us in the right direction, though I am well aware that the “market road” can sometimes be a bumpy and curvy one. Yet it is worth keeping an eye on developments – from a supervisory perspective and also from a regulatory angle. 2.
Digitalisation  Digitalisation is certainly one of the major challenges the financial sector is facing. Fintechs, big data, blockchain technology and the like, it is rumoured, have the potential to revolutionise the financial business, including central banks. And like every revolution, it could have the potential to reshape the establishment – as some people say.