Tyro Payments chief Jost Stollman opened up in the introduction to his firm's second round submission to the Financial System Inquiry."The Australian banking system has found it difficult to support the SME community with efficient transactional banking and funding solutions," he claimed. His view was supported by the AT Kearney research reported today."Prosperity in the new digital century will come to a large extent from startups and fast growth companies building the technologies and business models of the future and that for the global markets," Stollman said."It is critical that Australia's small-to-medium business people as well as its start-up and fast growth entrepreneurs believe in fairness and accessibility. The scorecard is not good."Stollman pointed out that Tyro remained, for now, the only "start-up [that] dared to pick-up the challenge from the Reserve Bank of Australia to compete with the dominant retail banks in the payment space.""Until today, no one followed and that is despite the enormous and growing profits that the Australian banking industry declares year after year," he said.When Tyro "battled for access, market entry and scaling up, it could first hand observe a culture among the major retail banks that is guided by 'what can one get away with'."Stollman said this included "hindering access to new entrants, stifling investment into the inter-bank infrastructure, discriminating settlement, practicing bundling and cross-subsidising."He said the FSI was "a great opportunity to reverse the community's prevailing scepticism and cynicism in that regard. The task for an Inquiry is challenging, because the predominant voices raised in such inquiries are those of the establishment and their consultants and lobbyists."