However, with regard to specific macro-prudential measures, the ECB has asymmetric intervention powers: according to Article 5 of the SSM Regulation, the ECBmay – after consultation with the national supervisory authorities – tighten macro-prudential measures enshrined in the CRD IV but not ease them.
We also expect a surge in the number of digital banks and in the use of electronic payment platforms, including the QR code system, over the near term. 2/5  BIS central bankers' speeches  Through financial digitalization, we expect a boost in economic growth and development as digitalization makes payments easier and quicker, and helps improve working capital efficiency.