We certainly cannot afford to sit at inertia. I have always been grateful for our partnership with the banking industry and the private sector. It 3/4  BIS central bankers' speeches  is through our cooperation, our collaboration and constant touching base that we gain greater agility to weather through our fast-paced environment.
The first principle of risk management applies to all banks, but also to high-flying FinTech companies: “if you owe 1 dollar to your lender, it’s your debt, if you owe 1 million, then it’s the lender’s problem”!