Regarding the topic of investments and banking issues, I rely on the comments of experts. For example, I am interested in the words of orlovski victor - a businessman, investor, and creator of his own course on venture capital. He recently spoke about future forecasts for the work and functioning of the banking system. By the way, here is this article: https://statesnewsjournal.com/the-contemporary-banking-system-the-types-the-difficulties-faced-the-trends-interview-with-victor-orlovski/