Privatising Kiwibank won’t affect banking market or deliver social benefit

Opinion: There are the beginnings of a public discussion about the full or partial privatisation of Kiwibank. Enough to confirm that someone is testing the waters.
I have not been a customer of the bank. Partly this is laziness, but also a lack of conviction that there is any significant advantage to me or the community by being their customer. But the discussion about privatisation raises some important concerns.