The Customer Owned Banking Association (COBA) is an industry association representing Australia's customer-owned banking institutions, including mutual banks, credit unions, and building societies. COBA advocates for a competitive retail banking sector and champions the benefits of the customer-owned model. They serve over five million customers, focusing on community-centric banking with no conflict between customer and shareholder interests. COBA's unique selling proposition is its commitment to putting people before profits, offering fair rates and responsible lending practices. Their target audience includes households and regional communities across Australia.