However, its limited efficiency must be taken into account in situations where citizens are not ready or reluctant to change their habits. Research shows that even in countries on high positions in the rankings of access of individuals to the ICT, certain restraint is observed in the use of eadministration services offered to the citizens. In Denmark, for instance, it has been discovered that the reason for such restraint lies in the lack of common understanding of personal benefits that a user of e-administration services may enjoy. 7 It points to a need for improvement of related education and information campaigns. Denmark is not an exception in this respect. Promotional campaigns encouraging the use of the electronic media of communication with the public administration are being developed in many countries; some countries have already launched such activities. In Singapore, a website has been launched to enable payments for almost every public office and government agency in the country, and its users participate in weekly and monthly prize draws. 8 In Dubai another interesting solution has been employed, whereby a loyalty programme for users of online public services has been launched. Its first step includes a ten-hour training on the use of online services. The authorities anticipate to have trained 10,000 citizens and civil service employees by the end of 2006. Upon accomplishment of the training, the citizens are provided with a certificate and a loyalty card.
Because we’re determined not to repeat the cycles of the past when bursts of post-crisis reforms would eventually drift into complacency and cohabitation. When the caravan moved on, markets were left unattended to slip slowly into excess and ethical drift. Today we want not only to profile progress made, but also to spur a continual process of review and reform. This isn’t just about fixing the fault lines that caused the last crisis, but also about seizing new opportunities from fintech and market-based finance. It's about building truly global markets, in the UK and elsewhere, and the cross-border governance and cooperation they need to function well. It is precisely because we don’t know all the answers that we’re setting questions before us today: - What more needs to be done? Are there gaps that will ultimately allow markets to go wrong again? - Are there other places where the pendulum has swung too far, preventing markets from serving society as they should? - And are there other changes needed to build the necessary supports over time? We want to hear from those who might question the steps already taken. We welcome new ideas that challenge conventions of how markets should operate, and whose eyes are fixed on the future of markets that will become ever more important. I’m only sorry there couldn’t be more of us here today. We were four times oversubscribed for places.