When we talk about a voluntary approach, we're not talking about a process in which providers simply do what they want to do. We're also talking about a code whose implementation is potentially monitored by the Financial Consumer Agency of Canada. Second, for these payment methods to have a future, in other words, for consumers to want to use them, we will have to convince them that standards and measures designed to protect them will be implemented. If consumers don't trust these payment methods, they won't necessarily use them.
Service providers therefore have an interest in maintaining a certain level of trust, and consumers...