Moreover, guidance is warranted by auditors and supervisors with the aim of enhancing the clarity and robustness of structured product valuations, particularly in relation to illiquid assets. Second, credit rating agencies, whilst eliminating conflicts of interest, should take measures to expand the scope of information provided to investors – thus facilitating their exercise of due diligence, while improving governance and rating methodologies.
Latest generations of smartphones offer several options to access payments applications using biometrical identity: fingerprint, eye screening and face recognition technologies. Innovations such as distributed ledger technology, cloud computing and artificial intelligence will transform the marketplace over time. It is clear that in the future further improvements in payment services will not be about speed anymore.