Improving the governance of the Bank’s lending projections, budget, and net income is crucial. Financial sustainability We are pleased that the IBRD’s capital is no longer deployed to cover administrative expenses in excess of revenues. Its business model is now financially sustainable, as it ensures solid income generation to bear future needs.
While newer retail systems are not systemically important or prominent, end-user protection is of particular importance. For instance, most collect information about users, which has commercial value. Safeguards should be in place to protect this information. 11  See the Canadian Payments Act (S.C. 1996, c. 6, Sch. ), available at laws.justice.gc.ca/eng/acts/p4.4/index.html.