The Current System Doesn't Work Very Well, You Know?

The banking industry has a very simple model, which is lending money to the owner of that title and making sure they pay you back every month with their salaries. But if we take a portfolio approach like credit cards as well, millions and millions of customers are out there with a credit card, borrow and repay, borrow and repayment,. And all we have is, you know, signed agreement. So actually, there is billions of dollars lent that way, just not in that product set. There's a lot that the reserve bank and others can do across all sorts of spectrums to rightly address the disproportionately poor outcome that Māori and others get.