My understanding of McKinsey's work on this is that the value that's created is a culmination of not only sort of commercial economic gain but also productivity. So the answer to your question would be yes, there are opportunities to create more streamlined services that could be more efficient. I used the example of a geocoder, which is a small example. They would have access to data in much more streamlined ways to be able to produce all kinds of services.
Yes, within the system that would create opportunities to create savings that then could be re-prioritized to other sorts of areas.