Conclusion In closing, I encourage you to continue to push forward on research and policy work in the area of consumer credit and payments. The landscape is changing rapidly and dramatically in response to economic, regulatory, and technological developments.
For this, given the low interest rate environment and that Greece’s future is now firmly secured within the eurozone and there is so much liquidity out there and the recent upgrade in Greece’s ratings, this is something feasible, ladies and gentlemen. The government doesn’t need QE for this, probably, or the medium-term 3/4  BIS central bankers' speeches  debt-relief measures.