We can encourage and support these developments by: 5/6  BIS central bankers' speeches  taking a broad-based, open approach to the way we think about and tackle digitalisation; raising awareness of the fact that risks can change and shift at any time; and creating a framework for future developments that does not limit potential opportunities and, at the same time, appropriately reflects risk.
This could make the banks more vulnerable. The Minster of Economic and Business Affairs is finalising a bill which will enable banks to issue covered bonds on an equal footing with the mortgage credit institutes. You may ask why it is necessary to change the Danish system of financing real property via the mortgage-credit institutes.