We will comment only in relation to the discussion in paragraphs 40 and 41 and Question 3:
Do you believe a direct approach could help to improve consumer input in the consultation process? Do you have any other suggestions on how to get end-users´ input?
These refer to “end-users”, the focus being on consumers. Rather we will focus on non-financial-sector businesses as end-users of financial services, which we think are probably under-represented in the processes.
Financial services are a crucial input to non-financial services businesses in the operation of many aspects of their business – fund raising, cash management, collections and payments, risk management, currency exchange, etc.
