When I take a look at electronic transactions—I can't recall the last time I issued a cheque—the systems and processes you're providing are integral and will probably be the backbone of the financial institutions going forward.
In budget 2024, we announced that our government would be introducing legislation to implement Canada's framework for consumer-driven banking, which will allow consumers and small businesses to better manage their finances and access broader financial services. Can this help people build their credit and reduce administrative burdens for small businesses, and could you speak to the benefits of open banking and what it would do for Canada?
I'll start with Mr. Bossin from Interact.