On the other hand, new technologies are being developed on wholesale financial markets, such as the use of 4/5  BIS central bankers' speeches  Blockchain for clearing and settlement, which may one day require digital money to settle transactions. We are looking into it because we have to follow all technological developments.
Finally, whether there should be a shift out of cash and towards digital currencies issued by central banks is yet another discussion. What is your view on that? I believe that central banks should be extremely cautious when they deal with such issues, because they concern trust in the currency. There are different views on the use of cash.