Indeed, if anti-competitive pricing collusion does exist, it is appropriate for the Competition Commission to investigate this and make a ruling so that fairness and competition can be the rule of the day. It is heartening to see a new willingness by the banking industry to open access to the payment system.
I should however point out that the Bank as the current overseer of the NPS has an obligation to ensure that restricting or facilitating access to the system does not compromise the overall integrity of the system.