Ms. Alshahwany, you talked about open banking in Canada. I'm interested in that.
We know what it currently costs to make purchases using a credit card, because of interest charges. You say that “open” doesn't mean that people can do whatever they want and that there are no regulations. In fact, open banking will have to be regulated. I think everyone agrees on that. Other countries are already a step ahead of Canada in that respect.
Once the regulations are in place, do you think that consumers will benefit from using open banking services, which allow the consumer to deal directly with the merchant without necessarily having to use credit, and therefore be subject to very low or even no fees? Do you believe that, one day, new technologies like AI will make it possible to eliminate a whole series of fees related to purchasing goods and services?