The profile of the investor base for the corporate bond markets has had  implications for some of the issues and concerns I have flagged earlier. I talked of the 11  Source: https://www.sebi.gov.in  10  limited access of lower rated issuers to the corporate bond market for mobilising resources.
Changing banking and consumer landscape The shift to digitally-enabled services within the retail banks is already profound and is accelerating, including due to the behavioural changes arising from the pandemic. As we look to the future of the retail banking sector, we see a rapidly changing landscape.