I believe this is well captured in today’s main topic of the round table. Frankly speaking, however, I have an impression that nonbanking institutions have recently been playing an active role in providing innovative means of payment.
It might be natural for an economist to speak of education in terms of productivity, but education has an extra importance in that it offers equal opportunity to all sections of the population, according to the individuals' abilities, to acquire skills that will help them to improve their situation.