The data you just quoted came from one of our surveys, where we do know that 80% of our members are still using cheques for business-to-business transactions. That's really where the biggest hurdle is: it's these business-to-business types of payments. For business-to-consumer transactions, there are the credit card and debit card types of systems out there, but it's the business-to-business side of things that we don't really have an effective electronic payment system for that is affordable and secure and accessible to smaller companies. Part of that has to come from the banking sector itself, and finding ways to bring that group together. That's not always easy to do, to come up with ideas on how that can be done most effectively.
There is something called FinPay now that has been created, which is a group of those types of companies, including CFIB as part of that group, to have those sorts of discussions, and hopefully move that along. We would like to see it move more quickly, absolutely, whether it should be government or private sector industries, or perhaps a combination of both, that help create these electronic payment systems in practice in Canada. It's difficult for me to say who has the best role. We would probably move towards that the private sector should be really developing that, and making it accessible to smaller firms.
But at the moment that is where the big hurdle is: how do we make those systems effective for those business-to-business transactions so that we are moving away from paper-based and more to this digital online type of payment system?