We faced an unprecedented economic crisis but we did not see the banking system amplify the economic disruption.1 So the first lesson is we must now focus on taking these frameworks from adolescence to maturity. Another key lesson is the need to develop and operationalise a macroprudential framework for market-based finance.
We need to ensure that our  monetary policy implementations are effective, that we keep abreast with innovation, including the continuous modernization of our payment systems, and equally important is to ensure our population is empowered to make informed and sound financial decisions.