Like all the other bankers who have come here, you haven't answered my question.
As I understand your argument, in other countries where interchange fees have been regulated, bankers who were ripping off their customers in this regard have started ripping off their customers elsewhere. They should therefore be regulated even less, so that they continue to rip off their clients as they did before.
Is that how you want to convince a parliamentary committee not to regulate fintech? Do you think this is a winning communications strategy?