We knew the figures, but underestimated the risk. The most recent figures show that the customer funding gap is widening again. But this presents a bit of a dilemma. As we have seen, it increases the vulnerability of the financial  2  BIS Review 106/2010  system.
In view of the rapid pace of technological progress and the drastic change in the environment surrounding payments, settlements, financial services and the economy, it would be difficult for anyone to predict how money will evolve in the future.