We should note that, although the money in circulation in the hands of the general public has increased from 4.2 to 6.5 of the GDP, banking services are still not widely used. There is  6  BIS Review 62/2004  0.5 account per inhabitant, while in other countries there are 2.7 accounts.
And this has to do with strengthening institutions, with restoring their credibility, and above all with conferring them more transparency. We must also work, obviously according to fiscal needs, to lift a tax that today is clearly distortive, namely, the tax on bank debits and credits. The blue line shows the 0.2% yield of time deposits.