As I remarked at the recent ESRB Annual Conference 13, the most catastrophic and costly aspects of the crisis arose from actions and excesses from the last couple of years pre crisis, but the damage and costs are still with us 10 years hence.
Many of them are already being tackled, but many still lie ahead. Through significant investments in technology in the payments industry, both central banks and market operators increased the supply of efficient payment services and ensured their security and reliability to foster public confidence in (new) electronic means of 2  payment.