Cormac Devlin (Dún Laoghaire, Fianna Fail)
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I have only one minute left. Dr. Kelly alluded to new financial services. What does he think the Irish banking sector would benefit from in terms of new services? Is it new entrants into the market? Is it new services being offered domestically or even pan-European services?

Dr. Kelly referred to the financial crash in 2008. From the Central Bank's perspective, what new regulatory regimes and oversight has it initiated since that period?