Thank you for your question.
Confidence and trust in our ecosystem, and in the financial services space in general, are the baseline for folks to trust. It's our money, and there's a big attachment to it. In the fintech sector, we take that very seriously.
To give you an example of things that boost trust, our sector was a strong advocate for the Retail Payment Activities Act. It's probably a bit odd for a sector to come up to the government and say, “Regulate me. Give me a guideline, so that I'm regulated and I come under some sort of regulatory guidance and supervision.” I think the driver for that is very strongly because it helps incentivize trust—certainly with consumers. The consumer finds reassurance in seeing that you're regulated by this entity, but it also helps even business-to-business relationships.
Fintechs continue to this day to struggle to secure access to banking services. Oftentimes, their accounts will be closed, and there's really no recourse for fintechs—