BEN has a B rating which means it costs more to raise funds. How are they going to recover this? Take a hit to profit or pass on to the customer??
BEN banking model worked very well when credit was cheap, but times have changed and they will struggle to win new customers. Even if evryone in the town of Bendigo use BEN it still will not help.
This is my opinion. You may disagree but time will tell.
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