Thank you, Mr. Chair.
I am here to replace a colleague who is on paternity leave. I'm not very familiar with this, and my questions may or may not be very relevant, but we'll see.
Thank you to the witnesses for being here today.
First, I have a question for the Canadian Bankers Association. Presumably if a client of yours gets into the mobile payment method, that would be part of their accounts in whatever bank they deal with. Is that correct?