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Understanding Megatrends: Key Forces Shaping the Future

The concept of “Pet Humanization”, or treating pets as children or family members, has become increasingly widespread.

The Single Economy Survey Part 1: “Life at Different Stages”

Artificial Intelligence (AI) in telemedicine, enabling continuity of healthcare services,

Green Deposits for Greater Sustainability

Industry Horizon April 2026

Collateral has long occupied a central position in the financial sector thanks to the role it plays as a mechanism for reducing exposure to credit risk arising from an asymmetry of information between creditors and debtors, but by more securely binding borrowers to their repayment schedules. Collateral also sends a positive signal to creditors, helping to alleviate problems that may arise from adverse selection and moral hazard. In addition, collateral cuts lenders’ exposure to losses, reduces the systemic risk, thus remains an important factor in judging a borrower’s overall creditworthiness.