One of the consequences of increasing competition is rising stress and anxiety among citizens, which has a negative impact. There are both legal and informal markets, consisting of cash exchanges. Another anomaly is the presence of informal economic markets, both legal and illegal, especially in rural areas where state authority has not yet been fully established. Thus, informal economic markets thrive in an era of openness, despite serious official attempts to eliminate them, tightening control, and the development of information technology. Luis Habib * The opening of economies and the expansion of markets benefit both local and international economic growth, but also provide great opportunities for organized financial criminals to profit. Dr.
