The differences in views shared by individuals and persons stems from the different personal and economic inclination which they share.
The need for more regulation on banks which some people opine may be due to the implementation or introduction of charges which are geared at making profit for the banking institution. Hence, to avoid a situation whereby banks can act without being checked.
On the other hand, when banks act based on the regulations and directives of the central bank as directed by the government, they find it very difficult to maneuver or assist customers in cases, as they could be sanctioned.
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