I would say that it developed pretty well, and it's the same with the U.K. There is some form of accreditation. There are kind of tier accreditations. Basically, if you have a new model, instead of doing the full onerous process of joining and having the accreditation, you can go via an agent. It's also a safe and secure model.
The evolution is going well. Of course, technology is evolving quickly. They've made sure, as you mentioned, that it's principle-based, but they have the right committees or stakeholders who are firm about where they can exchange and move forward with the technology.
We were talking about open banking, but it's more and more about open finance and involving insurance, mortgages and wealth management as well. It's evolving in a good way, because they create this kind of environment where players who participate know that other accredited players are safe and secure and it's good doing business with them.