Good afternoon. I want to thank all the witnesses for waiting for us. Your patience is appreciated. I also want to thank you for your presentations, which were quite informative.
Everything often comes back to the same problem: the apparent difficulty in adopting new technologies. Things have come a long way, with the advent of Interac technology, electronic payments and so forth. But the fact remains that small businesses appear to be having trouble adopting new technologies.
I would like to hear your opinion on that. What obstacles do small and medium-sized businesses face when adopting new technologies? Do the obstacles stem from cost, skilled labour or existing policies?
I would like to hear from Ms. Brisebois first, and then Mr. Roche.