After all,  BIS Review 50/2009  1  capacity in building and construction is limited. Only recently, the sector was in full alert with overheating and shortage of craftsmen, while prices and wages were rising. If we overburden the building and construction sector again, history will repeat itself and that could ultimately exacerbate the crisis.
Indeed, on average, cash payments take just over 22 seconds and cost around 24 cent per transaction according to a recent study of retail sector cash payments in Germany.4 Fintechs could make the financial system more diverse and competitive, offering customers better-targeted, faster and cheaper financial services. But fintech could also lead to the emergence of new risks and greater concentration.