2/7  BIS central bankers' speeches  Let me briefly touch upon each of these three issues, starting with retail payment systems. Making retail payment systems instant and available 24/7 Today an increasing number of non-bank payment service providers are entering the domestic payments business, sometimes offering faster payments than the banks they are competing with.
*  *  Introduction  President Fisher Vice President Wynne Deputy Consul General Kroll Mr Heppe, American Council on Germany Mr Langenau, German American Chamber of Commerce Ms Colton, Dallas Committee on Foreign Relations Ladies and gentlemen Thank you for inviting me to speak at the Federal Reserve Bank of Dallas. It is a great pleasure to be here today.