In the face of the explosive surge in technological innovation, I see countless ways at the economic level to advance the economy as a whole and the financial sector, in particular. 1/6  BIS central bankers' speeches  Given the accelerating speed at which information can be exchanged, efficiency on the markets can be increased further.
Therefore, programmes offering financial education right from primary school, or providing training for the elderly or for migrants, should be encouraged. And of course, these observations also justify the importance of appropriate regulation. So, without any doubt, regulation can have an impact on access to finance for certain categories of consumers.