This means that we have seen good improvements in the quality of compliance and operations. Companies that continue to receive shorter-term licences need to take stronger measures to address the issues that we have raised. Third, we should expect that financial markets will continue to remain volatile in the period ahead. It is therefore important for the industry to improve market arrangements to ensure that MSB companies will be able to respond efficiently to changes in demand for currencies by consumers and businesses. Such arrangements have to include better planning and management of currency stocks as well as sourcing strategies to ensure the ready supply of currencies at efficient market rates. Tonight’s MSB customer experience awards reflects an industry that aspires to place the customer first. A price advantage can be lost easily to your competitors, but a strong customer service culture is much harder to copy. Those of you that voluntarily took part in this process are sending a clear signal that your company and this industry takes customer service excellence seriously. The idea of customer service excellence is not only about the quality of service; it is also about the industry conducting itself in a way that builds trust in the industry. The Association therefore is to be commended for undertaking this initiative, as should all MSB companies that have supported it.
Ardian Fullani: The confidence indices Speech by Mr Ardian Fullani, Governor of the Bank of Albania, at the regional seminar “Development and implementation of business and consumer confidence indices in Albania 2”, Tirana, 1 December 2006. *  *  *  Dear participants, Today’s seminar, on the confidence indices, has a special importance, due to the fact that it regards the evaluation and decision-making basic elements in economic policies, information and in its real dimension. As in any decision-making process information is the first step to reach a sound judgment on the right monetary policy for a central bank. It is indispensable for the monetary authorities to prepare the analysis of the macroeconomic indicators, in order to prepare a monetary policy that ensures the stability of the internal indicators as well as the relations with the partner economies in trade affairs. On a more general view, the economy of a country can not achieve competitiveness and international standards, if development policies are built on a non complete information basis. The preparation of a complete information framework in the economic field is a challenge for the regional countries to reach occidental standards. At the current stage, for Albania this challenge is even more urgent. The actual condition of the national statistics has room for spreading the statistical basis and for providing stable statistics over time. However, the progress in the statistics field, as well as in other related ones, needs time, funds and the right legal ground for undertaking substantial projects.