Work is now ongoing on the chatbot functionality, which will enable consumers to submit complaints via SMS, webchat, and 4/5  BIS central bankers' speeches  messenger applications. At the same time, the BSP is pushing for the Financial Consumer Protection bill, which seeks to strengthen regulations that protect financial consumers.
On capital market development, the BSP in collaboration with other financial regulators is pursuing policy reforms and initiatives that will promote a wider array of and accessibility to investment products—so that people from various income groups are able to engage in investment activities. With these initiatives and those of the government, we have a very solid basis to be optimistic about the future.