In all of these areas, market bodies such as the FIMMDA, PDAI 4, FEDAI 5 and the Indian Banks Association (IBA) have continued to play an important role in acting as bridges between the market participants and the regulator, proactively conveying the views of the market and providing timely inputs for policy making. Expectations from Market Participants 23.
There are, however, some areas where performance of market  participants can improve further. One area has been the delivery of services to the small / retail customers.