Depending on the individual case, the picture can be very different. Where credit institutions work with large technology firms, such firms’ negotiating power might be so large, for instance, that institutions have difficulty effectively imposing their conditions on their contracting partners for the service being provided. You might call this “the tail wagging the dog”.
Information availability furthermore allows regulators to monitor changes in market activity that can lead to the emergence of potential new risks. Finally enhanced transparency can support the development of appropriate policy responses in times of stress.