If the actual rate of growth exceeds the long-term potential, sooner or later pressure comes on resources and inflation will be the result.
While they might be able to commercially negotiate an agency arrangement, this could add to their costs and they might therefore prefer direct access. If incumbent financial institutions control access, they might seek to put up unreasonable barriers to entry. Regulators will need to be alert to potential anti-competitive conduct. The second area is stored value products.