Moreover, problems in the banking sector appeared to have hampered the monetary transmission mechanism to some extent, adding difficulty to the setting of the appropriate policy stance. From a longer-term perspective, the central challenge is the attainment of a more balanced financial structure and the improvement of financial access-both in terms of outreach and quality of financial services. Success along these dimensions will enable Thailand to realize a growth process that is both stronger and less volatile, and at the same time also more evenly distributed.