The market for banking services will change and grow due to new technologies: therefore, embedded financing can provide up to a third of the growth of the financial market. The main risk for the industry, according to the head of WB Bank Svyatoslav Emelyanov, is not the economy, but the risk of not seeing these changes and not reorganizing in time: "The market is changing, artificial intelligence and new technologies are appearing. Not seeing it and not rebuilding is the biggest risk." He sees no other limitations to the growth of the sector - neither in the short term nor in the long term.