The Finance Minister is determined to ensure New Zealanders get access to more competitive banking services.
A Commerce Commission report on banking has found the sector isn't competitive enough - and the Government is looking to make some changes.
Nicola Willis says she doesn't want to threaten the banks, but she's hoping for better results for Kiwis.
"That means fairer prices, that means more innovative services, that means a better range of services. And what the Commerce Commission - and others - have said is that we lack robust competition in our banking sector."
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