First off, I'd say that the question is best addressed to OSFI.
If you haven't spoken to them already, it's probably a good idea. They can explain the process involved in getting a banking licence. It's a multi-year process. You have to satisfy the regulator that you are sufficiently well capitalized, that you have put in place a management team and an operation that is able to be sustainable, that you have a business plan that looks like it will work, that you've put in place the appropriate risk management controls and the appropriate information security controls both to address your financial risk and also your operational risk. I want to point out the latter one and draw attention to that, because it's important. These days, given cybersecurity issues, technology risk is a big issue, and technology and information security is a big issue.
If Canada Post were to go into this space in a meaningful way, they would have to look very hard at what they need to do to secure customer information.