I will say that it's a very convenient system to use.
I want to raise two points.
We live in an age of convenience. When I do an Interac e-transfer and have to add someone, I have to put in their name, email and phone number. If they don't have Autodeposit, I have to put in a security question and an answer. In an age of convenience, I feel people do not want to engage in those steps. They want something a bit faster.
Are you working on, for example, a QR code you can scan that autofills the form so you can immediately add a payee? Is Interac thinking about the interface?