Consequently, this lack of long-term vision and strategy has impacted the way technology has been utilised. b)  Technology focus was not customer-centric Technology must be implemented with the customer in focus. Technology must enable customer facilitation in terms of cost, time and convenience. It should be dovetailed to customer needs and expectations.
Christine Lagarde has mentioned that aside from what the ECB can and will do, the Member States of the euro area should assume their responsibilities on the fiscal side. The ESM is exploring various options towards that end, although differences among Member States remain.