f. I want to use a digital euro without having to pay additional costs. g. I want it to take the form of a dedicated physical device. h. I want it to be a secure means of payment. i. I want my transactions to be completed instantaneously. 4.
Banks have so far been able to buffer borrowers from the higher rates that they now face in the market following the recent re-pricing in financial markets. The improving macroeconomic environment has lowered other costs faced by banks’, such as the amount of provisioning required for non-performing loans, and has thereby allowed them not to pass-through their higher cost of financing to borrowers.