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Why can’t they offer deposits to non-HSBC customers? If they can’t because of the way Link is structured, this needs changing as branches are now closing so often.

Until the merger, there have been two main players in the cash machine market - Wincor Nixdorf and NCR. Since the late 1990s they've kept one another fairly honest. The merger of Wincor Nixdorf with Diebold has not affected the market dynamics for Cash Machines and it looks, to an outsider, as if the Inquiry is seeking a self perpetuating role in this market sector.