Thus, it is not need alone that would prompt the use of technology as an option but the associated security features that would appeal to the common man’s psyche and attract him to banking innovations. How does one tap the common man’s psyche? What are the possible methods to communicate with the customer?
Forward spreads include compensation investors require for expected credit losses and a risk premium, and it would be reasonable to expect that investors would have a stronger conviction about expected credit losses in the near term than at future horizons.