That's a tough one. What we do know is that retail is a customer-driven business. What the customer wants, the customer gets. Merchants who have tried to charge the customer for taking their money have quickly found that the customer says no. So that really hasn't picked up or gone very far very quickly. There are just so many options out there that it has proven to not be terribly attractive.
On the effect on ABMs, our sense is that the advent of the Interac direct payment service itself greatly reduced the customer's demand for cash. Typically you don't have a full-function ABM inside a non-bank location. Essentially you have a smaller, cheaper cash-dispensing machine--that's all it will do. You can't pay your bills or make deposits at one of these cash-dispensing machines; you can only withdraw cash. So with the advent of Interac direct payment, the customer can pay directly using their card rather than going to the machine and paying a fee to withdraw money.
Second, as I mentioned in my response to one of your colleagues, the opportunity to get cash back on a transaction means that if you need cash, many of the merchants today who have a large cashflow are quite happy to give you cash back when you make a purchase in the store.
Third is that we've seen a variety of other payment options and financial service options provided by the financial service providers, both online and in other formats.