Examines the social consequences of restructuring and investigates the role social dialgue can play in finding socially responsible ways to mitigate the effects of restructuring. Includes brief comparisons with the banking and financial services industry, postal services and public utilities.

Drawing on the experience of semi-industrialised countries in technological accumulation, discusses how developing countries can take better advantage of foreign technology. Considers in particular how domestic technological capabilities and skills can be mobilised.

Discusses how financial cooperatives may be handicapped by their governance structure.