That is in large part because other savers have joined them and the market prices reflect that. Having said that, it is still possible to earn a gross interest rate on a bank deposit that is a bit above the inflation rate.
This is the surest way of increasing credit in the market to the productive and profitable sectors. The contribution by Metropol’s credit scoring is to help customers know their risk profile and how their loans will be priced but also empower them with tools to negotiate for better rates.