3 David H. Autor, Lawrence F. Katz, and Alan B. Krueger, “Computing Inequality: Have Computers Changed the Labor Market,” National Bureau of Economic Research Working Paper 5956 (March 1997). BIS Review 95/1997  -5-  Economists have long argued that more than half of the market human capital produced in a worker’s lifetime is produced on the job4.
While many divergent views are expressed in this publication, its most striking feature is an expression of a shared understanding that access to financial services for all, including low- or moderateincome communities and individuals continues to be an important goal for policymakers.