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{
    "id": 570880,
    "url": "https://info.mzalendo.com/api/v0.1/hansard/entries/570880/?format=api",
    "text_counter": 37,
    "type": "speech",
    "speaker_name": "Sen. Wamatangi",
    "speaker_title": "",
    "speaker": {
        "id": 646,
        "legal_name": "Paul Kimani Wamatangi",
        "slug": "paul-kimani-wamatangi"
    },
    "content": "Thank you, Mr. Speaker, Sir. Anybody who has studied business trends will tell you that one of the strategies used by business people and investors once they have built enough capital to insulate themselves from competition is to raise thresholds to lock out the competition. The move by CBK to revise the capitalization is a serious matter that needs to be looked at because so many times in this country, we have tried to urge banks to lower interest rates, for example. If this is left unchecked and then banks form a cartel, then, in future, it will be very difficult to regulate this industry. If, for example, we will consider international banks which have been in business for hundreds of years, how on earth would one expect Standard Chartered and Barclays banks to compete with other local upcoming banks? A market place without competition is a bad market place; bad for the economy and the county. If we do not have small and middle level banks and only the big players are allowed to form their cartels, then we will have a big problem especially with"
}