16/10/2026
๐๐ผ๐ ๐ฐ๐ฎ๐ป ๐๐๐น๐ฎ๐บ๐ถ๐ฐ ๐ฏ๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐๐ฟ๐ฒ๐ป๐ด๐๐ต๐ฒ๐ป ๐๐ฟ๐ฎ๐ป๐๐ฝ๐ฎ๐ฟ๐ฒ๐ป๐ฐ๐ ๐๐ต๐ถ๐น๐ฒ ๐ฝ๐ฟ๐ฒ๐๐ฒ๐ฟ๐๐ถ๐ป๐ด ๐๐ต๐ฒ ๐๐๐ฏ๐๐๐ฎ๐ป๐ฐ๐ฒ ๐ผ๐ณ ๐ถ๐๐ ๐ฝ๐ฟ๐ผ๐ณ๐ถ๐-๐๐ต๐ฎ๐ฟ๐ถ๐ป๐ด ๐ฝ๐ฟ๐ถ๐ป๐ฐ๐ถ๐ฝ๐น๐ฒ๐?
โThese suggestions are directional. Whether such disclosures would
change behaviour, given the depositor-loyalty evidence, is itself an empirical question. The case for disclosure rests not on changing flows but on aligning the information environment with the substance of the contract.โ
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