We will continue to follow trends in the euro area and in our economy and use our decision on reserve requirement and excess reserves in the future, as well. Secondly, the CBBH is in charge of the overall payment system in BH. We constantly improve it, adhering to the SEPA (Single European Payment Area) and the PSD2 (Payment System Directive 2).
As you know, changes in payment systems are dynamic and we are ready to continue building a robust and resilient payment system in the future that will serve our economy in the best possible way. Fintech, innovations and in general disruptive technologies in this area are something that will keep us busy for a long time to come.