But what we should do, in my view, is to more systematically encourage more research on these important matters. Central banks are not innocent bystanders in this process. We have to be mindful about the 4/6  BIS central bankers' speeches  impact of our own decisions on the future of financial structures.
New banks New banks are expected bring sustainable business models, bring innovation in banking products and services and improve penetration of banking activities. We need new banks to bring new business models and not for derivative products and investment banking. At mezzanine finance level, Banks also need sensitivity to default rates.