Kieran O'Donnell (Fine Gael) | Oireachtas source

The point I am trying to make is that I find it difficult to comprehend that anyone can come out with a report on the cultural treatment by banks of customers and, with all these desktop reviews, surveys and interviews, not have one interview with a bank customer. Any report surely has to have primary research. There is plenty of it in terms of the banks themselves but not in terms of how they interact with the customer. The witnesses appear to be basing it on feedback from people who ring the Central Bank. Who physically wrote the report?