Good afternoon, ladies and gentlemen. Bonjour à tous.
Welcome to the 13th meeting of the Standing Committee on Industry, Science and Technology. Today we have witnesses before us from Interac Association, Kirkland Morris, vice-president, enterprise strategy; and CANARIE Inc., Jim Roche, president and chief executive officer, and Harry Sharma, policy analyst.
As well, we have the Retail Council of Canada, Diane Brisebois, president and chief executive officer; and also the Canadian Bankers Association, Terry Campbell, president and chief executive officer, as well as David Revell, senior vice-president, business support and strategic initiatives, CIBC.
We'll follow the order that is on our agenda here in front of us. That means we'll begin with Kirkland Morris.
Just one speaker per organization for six minutes, please. Mr. Morris.