Public complaints about the standard and cost of banking services have persisted over many years, and are a matter of great concern to the Bank. As a result, the Bank is in regular dialogue with the commercial banks over the need to continually improve service delivery to customers. The Bank has authority under the Bank of Botswana Act (section 41) to determine the level of service fees and commissions charged by banks. However, the preferred approach is to encourage effective competition among the banks, including through encouraging new banks to enter the market, provided they satisfy licensing requirements. This approach has met with significant success as banks have introduced a range to new products and rationalized fee structures. Consumers are also encouraged to compare bank products and charges and change banks if they are dissatisfied. However, it also should be recognized that financial stability depends in large part on banks remaining profitable and, for this, they must be able to charge realistic fees for their services. (See also financial institutions and consumer protection.)