Thank you, Mr. Chair.
I want to thank the witnesses for their opening remarks today.
Obviously, I have a few questions to ask, but I'd like to start by thanking the witnesses for being here and for their ever-informative remarks.
First, does the competition bureau believe that the concentration in the e-transfer market, which centres around a few easily named major stakeholders such as Interac, Visa, Mastercard, not to mention the big banks, limits competition and innovation? Yes or no?