I think that in some ways we have seen unintended consequences of the way in which banks have performed in the last maybe 10 or 15 years for inner-city neighbourhoods with withdrawals of the bank branches. Certainly in Winnipeg's north end, and I think in other inner cities across the country, you can see this. Fringe banks have moved in as a result. The consequence for low-income consumers is high fees and limited services that are really dead-end services. You can't develop a savings scheme, you can't build a credit rating at a fringe bank.
So I think the solution is for banks and credit unions to work together to use these fantastic technologies, which many middle-income people take for granted, to reach into those low-income neighbourhoods.