But organisational matters can, of course, become crucial to the effective enforcement of our regulatory framework. I would now like to mention a third aspect that is also contributing to the challenging environment.
As market advances continue to expand the range of financial products and services, consumers are being faced with increasingly multifaceted choices and options in the management of their personal finances and exposure to a gamut of risks. In this complex financial landscape, it becomes important for consumers to have improved access to information. Significant changes have also occurred in the social sphere.