Last, and possibly the most important on my list of priority issues is the need to guard against what can be called a “technology barrier” between the bank and the customer. As we all recognize, technology is a great enabler and provides us huge opportunities for making banking more efficient and more inclusive.
Second, we want to ensure that the results of internal models are conservative and driven by actual risks, and not by modelling choices. This will strengthen trust in the banks’ calculation of risk and, ultimately, in the adequacy of capital buffers. Thank you for your attention. 2/2  BIS central bankers' speeches