4  BIS central bankers’ speeches  Graph 2  Given the increasing importance of internet payments over recent years, we also spent some time exploring consumers’ use of, and attitudes towards, different types of online payments. First of all, we found what seems to be quite high adoption of online payments.
The comprehensive reforms implemented after the global financial crisis are paying off: banks are now better capitalised, have additional capital buffers, and can use them more flexibly. Debt levels have risen in the public and private sectors. Persistently low interest rates could induce market participants to take on greater risks in a search for yield.