I see the term “fintech”, financial technology, in a lot of articles. You are in an economic sector that is extremely competitive. There are banks and quasi-banks like Tangerine that put all their offices in shipping containers for a month to move them somewhere else. The sector is so competitive that banks cannot buy a building or lease one for very long.
You also mentioned reducing the number of letters you send by 30%. Is the goal of the Caisse to no longer send letters at all one day? Do you want to move to mobile banking services?