Initial growth was slow, with customers in 1995 sending on average only 0.4 messages per GSM customer per month. One factor in the slow takeup of SMS was that operators were slow to set up charging systems, especially for prepaid subscribers, and eliminate billing fraud which was possible by changing SMSC settings on individual handsets to use the SMSCs of other operators. Initially, networks in the UK only allowed customers to send messages to other users on the same network, limiting the usefulness of the service. This restriction was lifted in 1999.