As regards our independence, history shows just how essential the independence of central banks is. But, in fact, isn’t this independence at risk if the ECB rises to become the biggest creditor of euro area states with QE?
•  Whether some of the technology companies and retail banks can undergo transformation to such an extent that the technology firm would appear more like a retail bank and vice-a-versa. •  More and more collaboration between a bank and non-bank. •  The gradual shifting of micro payments to mobiles leading to reduction in requirements of physical currency notes and coins.