Following are few Future Prediction of the issue of ACCCto investigate bank fees for the international credit card purchases. Elaborate following points. Provide sources and references. Include data, statistics etc to support the point.

• Increased Competition:Discuss the potential for increased competition from non-bank providers to drive down prices and benefit consumers.
• Consumer Empowerment:Explain how improved price transparency can empower consumers to make informed choices and switch to cheaper FX services.
• Regulatory Measures:Mention the possibility of regulatory intervention (based on the report's recommendations) to ensure fair access to banking services for non-bank providers.
• Data & Forecasts:If available, present data or forecasts from reputable sources to illustrate potential future trends in FX fees based on increased competition.