The banks, therefore, need to make concerted efforts to increase the degree of awareness at the level of the branch staff so that the electronic fund transfer services percolate down to the level of the public in a significant manner.
I would first like to draw a broad picture of economic growth trends in Europe as compared to the United States; based on this diagnosis, I would then like to stress how the issues of structural reforms are key to preserve and improve the economic performance of the European economy.