The Estonian model has repositories. As you said, there are many silos that are hooked into the central system and the single citizen chip. There will almost certainly be competition for financial gain by a variety of parties to participate in digital government. Neil Parmenter, the president of the Canadian Bankers Association, in a speech that I attended last month, made a point of saying Canada's banks are trusted. There is the double-factor log-in, and he expressed an interest in the banks being a central participant in digital government. Do you have any thoughts on that type of proposition?
On January 31st, 2019. See this statement in context.