Use of technology in a large but judicious way provides relief in the form of more effective work processes, reduced costs of processing and the capability to handle relatively large transaction volumes with remarkable ease.
  Almost all of this debt is channelled through bank lending.   We do not save much, with very limited financial savings and stocks and shares.   Overwhelmingly our household assets are invested in housing and other property. 4. How to reduce our vulnerability  If this growth in our external indebtedness cannot continue, then it will not.