Going back to what I was just saying about our advocacy, we've done a tremendous amount of advocacy with the Department of Finance on open banking and the design, including to Payments Canada on real-time rail. Perhaps Mr. Durocher wants to add to that issue.
I should say that, in terms of open banking, we're way behind many countries in the world. We're way behind the United Kingdom, in particular. Those same concerns about safety were all raised in the United Kingdom and have not come to fruition, as I understand it. Clearly, there are models out there that Canada can follow while not giving up safety and security.
Mr. Durocher can expand a bit on open banking.