We need, second, to identify and  4  4  Cybercrime-as-a-service. BIS central bankers’ speeches  understand new trends and developments in order to obtain a picture of potential risks in good time. Those who, for instance, neither know nor understand the aforementioned concept of a “blockchain” will not be able to keep up.
Therefore, even though there are enough regulatory and supervisory issues to keep us busy, we need to have the courage to address even those topics which have not yet demonstrably caused a crisis. To be quite frank: I am calling for an entrepreneurial approach to supervision. 4.