Some valuable insights emerged from our outreach, which may benefit community banks at various stages of the innovation process. Two important themes stood out: the first is establishing trust and aligning with fintech partners, and second, building a long-term culture committed to innovation. Let me elaborate on each of these themes.
Furthermore, and no less important, these changes would make the financial markets more efficient, improve their competitive structure, and thereby encourage savings and support growth. 3. In addition to the two anchors mentioned above, we must give attention to various aspects of the labor market and wages policy in the public sector. The relevant topics are: a.