That's a very good question. We're entering another dimension where the focus is more on data portability. Open banking will also lead to more frequent transactions.
It's important to understand that this system already exists, but it takes the form of screen scraping. The first thing I'd say is it would be an excellent idea to adopt a regulatory framework, because that'll really make it possible to define responsibilities.
That said, we're really touching on the hot-button issue, meaning all the coordination that needs to be done. There has to be very clear coordination between jurisdictions, whether it be Quebec or other provinces and the federal government, to determine who's responsible and to what extent, especially in the context of open banking and consumer services, given the acceleration of transactions.