Thank you for the question Mr. Laforest.
In fact electronic transactions are usually subject to legislation, for example they have been in the United States since 1978. So we'll agree that we are a little behind. The legislation that was passed in the United States, the Electronic Fund Transfer Act, is not perfect but at least it provides a minimal framework for fund transfers.
There is another law as well as a code that works in the same way in other countries, including Great Britain and Australia. So this does exist in other countries.