Absolutely. The advantage of mobile banking is the convenience. People like to be able to use their mobile devices and conduct their transactions wherever they want. Increasingly they can.
We've seen remarkable uptick in the usage and the adoption rate of mobile banking. When we first surveyed the public and asked about mobile banking in 2010, only about 5% of people had done it. Within two years that was up to 20%, and that was in 2012. By 2014, now, I suspect it is beyond that.
If you look out into the future at the next generation of customers.... I look at my son who is 11 years old and goes to a local middle school in Mississauga where every child has a smartphone, every child expects to do everything with their smartphone, and that's what they're going to expect in the future. That is the next generation of consumers.