It's no secret that the sector is disappointed and frustrated. There have been numerous delays. We've been really slow out the gate. Open banking, consumer-led banking or consumer-driven banking—whichever term you'd like to use—was first mentioned in the 2018 budget, I believe. Since then, we've really studied the question to death, while other countries have acted.
This many years into the process, we're just starting to see an open-banking framework come to fruition. In other jurisdictions, it took no more than a few years for the government to go from stating its intention to actually delivering and having a system up and running for their citizens to benefit from.