I encourage market players to take the initiative and enlighten us if they have strong views on any Fintech related area. Ladies and gentlemen, I once again would like to thank AFS for arranging the conference and wish you all a productive conference today and tomorrow. Thank you. 2/2  BIS central bankers' speeches
It is, nevertheless, important to recall that there are clear limits to the use of negative deposit facility rates as a policy instrument. First, there is always the possibility of hitting the limit where the preference for cash withdrawals would set in, even if the threshold seems to be significantly distant in view of the costs of cash storage, safety and insurance 21.