Mr. John O'Connell:

The question of whether people should have to pay to access cash is one of the components of why we want a debate on the future of banking. In other jurisdictions, there is an open debate on these matters. Just as Members discovered that the ATM was removed from the Oireachtas, we do not want to wake up some morning and discover that customers have to pay to access cash. These are the issues that we should be able to anticipate. They have arisen in other jurisdictions. We should be having an open debate about the model of banking that we want and whether it should be customer centric or shareholder centric. We know what we want and we believe we know what the public wants as well.