Indeed, surveys repeatedly demonstrate a strong link between education and the use of new financial technologies. For example, data from the Survey of Consumer Finances suggest that a higher level of education significantly increases the chances that a household will use an electronic banking product.
The main risk to the global outlook once again derives from commercial tensions. Besides the already visible effects of the escalation of tariffs, quantitative restrictions can also have a significant global impact, particularly if accompanied by dislocation of value chains. The introduction of export restrictions in some countries may lead to trade diversion or import substitution, with efficiency losses.