It's a great question. I'm happy to provide some information.
You're correct. We've seen an increase in fraud across all sectors. I know the Canadian Anti-Fraud Centre has reported significant increases in fraud across a number of different sectors. We have been focused on how to ensure Canadians receive the money they're sent and sending money to the right person. This includes things like verifying email addresses and ensuring you have the right address. We do education campaigns around that.
We also focus quite significantly on patterns of fraud. We work to detect and mitigate fraud on the network. It's a very large focus for Interac and something that will continue to be a priority going forward.