•  Agency Banking Model, which has turned non-bank outlets into financial service providers, using technology to enable third parties to offer limited financial services.
Some observers have said that the solution to our difficulties lies in more – not less – European integration, and I agree with this view. Let me explain why. BIS Review 79/2010  1  Working together to meet these challenges is not just an act of solidarity; it is very much in the best interests of all the participating countries and their citizens.