Ms Carol Dunne:

It is tempting for policy-makers and banks alike to imagine that there is one large-scale solution that will fit, and I think that is possibly where everyone is falling down. There is a struggle in terms of the scale, and I think that banks are trying to push people through systems that simply do not work. One of the questions that could be explored with banks is how they interpret their corporate social responsibility obligations. Rather than sponsoring local football teams, perhaps it would be useful if banks could be asked to consider how they can exercise their corporate and social responsibility through being more responsible for customers' needs by providing basic banking, access to credit and fair complex debt resolution.