If I could answer that question, I've contacted many of the largest billers in Canada and offered them the instant payment confirmation so that they could know that their clients have paid the bill. When they're spoken to, the banks have been able to put the clients off and give the answer that Peter has given here today.
Our company doesn't store the user name or password, unlike CashEdge or Yodlee or any of the other aggregators that are out there today. So our company is focused on offering instant online debit payments to billers and to merchants. The equivalent would be operating a store as a “credit card only” store and not having the ability to have a debit payment.
That's what we've been offering to merchants and retailers across Canada for over four years now. We've been stonewalled and have not been able to get at the domestic business and have most of the retailers that Peter would represent on board with UseMyBank.