In the wake of the economic crisis, there is a new emphasis on safe financial practice in both public and private spheres. Companies engaging in dangerous money management are unlikely to succeed, and it is becoming increasingly harder to treat personal finances unwisely too.
It is no longer acceptable to take loan after loan, or to live purely on credit. Rules governing whether or not you are eligible for a card have become increasingly stricter, and potential card holders are required to undergo rigorous tests.
This pressure to manage money well is not coming only from financial institutions, what's more. It is also emanating from the population itself. A company suspected of financial malpractice can expect to experience a dramatic decline due to customer loss, and online brand managers, like those at brandcurrency will find they have their work cut out repairing such a business's online profile.
Attitudes towards smart banking and sensible financial management are changing. Both individuals and corporate bodies are coming to value good money management and this shift in financial practice is bound to positively affect the economy over time.
In short, the drive to be a better manager of money is coming, not simply from the financial institutions themselves, but from consumers keen to avoid a repeat of the recent depression.