In its supervision, OSFI must balance the need for quality implementation, which achieves the benefit of the framework, with adequate flexibility to recognize the challenges faced by institutions. ###>Risques, défis et possibilités Complexité de l'industrie des services financiers La complexité croissante de l'industrie des services financiers, sans oublier la nature concurrentielle des marchés internationaux, pose des défis aux marchés financiers.