In my opening comments, I will highlight what the CBB considers to be the key attributes of good corporate governance, and how we have encouraged licensees of the CBB and listed companies to implement a sound corporate governance environment. Effective corporate governance begins with establishing a clear dynamic between three different bodies of persons: the shareholders; the board; and the management.
* * * Thank you for inviting me to speak at this fourteenth edition of the Payments Forum organised by Suomen Pankki – Finlands Bank. Finland is often seen as a forerunner in the development of retail payments, certainly when it comes to digitalisation and its effects.