Thank you very much, Chair.
Thank you to all of you for being here this afternoon. This is an absolutely fascinating topic.
To begin, Mr. Rankin mentioned the word “utility”. Ms. Hall Findlay spoke about utility also. But I want to speak about utility in terms of social utility, in terms of how mobile payment systems would benefit not just the traditional consumer, as we know them, but people who have disabilities, seniors, and people who are in rural areas.
How would mobile payments—the mobile payment “ecosystem”, as you've referred to it, in terms of the entire environment—help people who are traditionally disadvantaged? This is a huge benefit or boon.