I would agree with part of that, because I do think we're advanced in terms of the adoption of mobile payments. But the challenge, again, is that we're hearing from organizations representing small businesses not to use credit cards all the time, but to use Interac cards, as an example. There's currently a campaign with CFIB encouraging Canadian consumers, and it's affected my behaviour. When I'm buying something from a small merchant in rural Hants county, Nova Scotia—and I know the margins they're getting are pretty small when buying gas for a car, or something—I use my Interac card now instead of my Aerogold card, as an example, because I know those fees are significant. We're hearing from the small-business owners that they're onerous.
On February 13th, 2014. See this statement in context.