From a business perspective, pricing of assets should be non-discriminatory and in line with risk rating of the customer. A lower rated customer should not get a better price than a higher rated customer. Once these basic issues are addressed, other issues such as migration to advanced approaches, etc. would gain importance.
Why did Finland apply for EU membership so soon? President Mauno Koivisto explained this well in his speech in Parliament: We want to have a seat at the table where the decisions are made. We needed the European Economic Area, but we also wanted to have influence. We wanted both access and a say.