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And it was precisely because they could not themselves stipulate what the price would be , but they wanted to give the companies the incentive to maximize their efficiency . We are very pleased with your high level of competency and efficiency and we need to allow others to attempt to keep their efficiencies as high as possible . The Internet also is the focus of several working groups representing retail banking , personal finance , insurance , equity trading , regulation , security and payment and settlement systems at the U.K. - based Centre for the Study of Financial Innovation , was on the agenda at recent international meetings held in June in Helsinki , and has moved to the front of the line of issues being debated by industry groups hoping to exploit its efficiencies and to avoid being made obsolescent by its development . These projects will make our environment cleaner and quieter ; improve our health and safety ; increase our mobility ; heighten our efficiency ; enable us to explore frontiers far beyond our current limitations . Part of this displacement is due to restructuring in the private sector , as firms strive to improve their efficiency .