The EIWA survey suggests that over the previous six months, roughly 11 percent of adults in the United States have engaged in paid services using an online platform, such as arranging 2/8  BIS central bankers' speeches  transportation activities with companies such as Uber, arranging work opportunities on sites like Care.com, Amazon Mechanical Turk, or TaskRabbit, generating projects through companies such as Fiverr, selling goods and crafts on sites such as eBay and Etsy, and renting rooms or homes through services like Airbnb, among others.
That is, the focus should be on the dynamics of the portfolio rather than on specific instruments, which can ignore the interplay among various instruments. Although portfolio theory is widely appreciated by bankers and regulators, putting its principles into practice in banking has not been easy.