But the greater variety of products and services that banks provide, the evolution of business processes, and changes in the ethical environment in which we live have all contributed to more observable exposures to this type of risk. An example of this is the growing use of automated loan underwriting systems.
3/4  BIS central bankers' speeches  Dear colleagues, A few days ago, while discussing the latest economic projections, a colleague of ours presented the following facts: labour resources are depleting; the reserves have dried up. Hence, the number of the employed has decreased as well. Projections suggest that it will continue on the downward path.