Research Discussion Paper – RDP 9315 The Provision of Financial Services – Trends, Prospects and Implications


This paper was prepared for the Fifth Annual Melbourne Money and Finance Conference, 26–27 November 1993. We are grateful to Stuart Mackenzie and Karen Mills for their contributions to the paper and to colleagues at the Reserve Bank of Australia for helpful comments and discussions. The views expressed in this paper are those of the authors and do not necessarily reflect those of the Reserve Bank of Australia. Any errors are ours alone.


Economic Analysis Department. [*]

Economic Research Department. [**]