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1、FUTUREOFFINANCEREVIEWONTHEOUTLOOKFORTHEUKFINANCIALSYSTEM:WHATITMEANSFORTHEBANKOFENGLANDChairedbyHuwvanSteenisJune2019CONTENTSForeword2ExecutiveSummary6Summaryofrecommendations18RecommendationsfortheBank1Shapetomorrow’spaymentsystem252Enableinnovationthroughmodernfinanc
2、ialinfrastructure413Supportthedataeconomythroughstandardsandprotocols564Championglobalstandardsforfinance675Promotethesmoothtransitiontoalow-carboneconomy806Adapttotheneedsofachangingdemographic907Safeguardthefinancialsystemfromevolvingrisks1028Enhanceprotectionagainst
3、cyber-risks1169Embracedigitalregulation129AppendixGlossary144Acknowledgements145FOREWORDTheGovernoraskedmelastyeartoleadareviewofthefutureoftheUK’sfinancialsystem,andwhatitmightmeanfortheBankofEngland’sagenda,toolkitandcapabilitiesoverthecomingdecade.Weagreedthisworksh
4、ouldbegroundedinhowfinanceservestheeconomy.Andinturn,howtheBankcanenableinnovation,empowercompetitionandbuildresilience.TheteamandIhavekeptthisuppermostinourminds.Overthepastninemonths,Ihavemetwithover300entrepreneurs,financiers,techfirms,globalinvestors,consumergroups
5、,charities,policymakersandbusinessleadersacrosstheUnitedKingdomandoverseas.AteachroundtableormeetingIaskedforworkablesuggestionsforhowtoimprovefinanceandwhatwecanlearnfromothermarketsorpilots.Forexample,CEOTomBlomfieldandhisteamatMonzoareharnessingtechnologytoauthentic
6、ateandprovidebasicbankaccountsforpeoplewhohavebeengrantedasylumintheUK.BetterdigitalidentificationintheUK,heargued,couldhelpreducethecostoffinancetolessadvantagedgroups.AtOakNorth,co-founderRishiKhoslaisusingmachinelearningtobringlargebusinesslendingtechniquestounderse
7、rvedsmallandmid-sizedbusinesses.Permissionedsharingofpublicdata,suchastaxreturns,hethoughtcouldhelpunlocksavingsforsmallbusinesses.Ialsolookedathowdatastandardsandprotocolscanimprovetheplumbingofcapitalmarketsandempowercompetition.Itisstrikingfrommymeetingsthattheworld
8、’slargestassetowners,insurancecompanies,assetmanagersandindexprovidersdon’tyetfeeltheyhavesufficientlyrobustdatatoass
