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.
This reflects the fact that borrowers in Australia tend to pay down their mortgages well before the typical contracted term of 25 years. ﻿[ 10] From 2012–2015 households steadily made above-average payments and so built additional buffers in their offset and redraw accounts. Interest rates were being cut at the time and borrowers saved some of the reduction in their scheduled mortgage payments.