That may be a hard question for me to answer, because it's not really a topic that would come up. Currently, where the industries do compete is with money transfers. Canada Post is an agent of MoneyGram. The payday lenders that I've worked for were agents for Western Union. There definitely is some overlap.
The industry has worked very hard to try to compete with certain aspects of the banks, and to offer service levels that avoid lineups, for example, that get to know clientele, use first names. When someone comes to a payday lender, we know that the bank has turned them down, whether it's to cash a cheque or to get a loan or a credit card. The perception is that service levels are just not the same with Canada Post.