2016  2018  2020  2022  26 Dinar household loans* 24 Dinar corporate loans* 22 Key policy rate 20 Household loans in euro terms* Corporate loans in euro terms* 18 EURIBOR 3M 16 14 12 10 8 6 4 2 0 -2 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Source: NBS and European Banking Federation.
From that angle, we can see that there are different developments going on: those that clearly increase societal welfare and should be benefitted from, such as mobile and real-time payments – as long as we also take care of enhancing financial literacy; those that should be watched, or even prevented, such as booms and busts related to 2/4  BIS central bankers' speeches  crypto-assets; and those that can be further developed, such as machine learning and artificial intelligence.