One of the easiest ways is to at least introduce more oversight for committees like yours to see what's happening on the boards of such companies and the process of observing what's happening. That would open up the room for further analysis and recommendations.
One thing with Interac is they built this technology at a time when a solution was needed, and it solved a big problem for Canadians. Naturally, in technology, things stall with time, and it becomes burdensome to manage these systems because they rely on old technology. By opening up the door for providers like us under the right regulations—for us, we need to get properly regulated—we can bring modern technology that makes things much easier, which is the separate highway that you can speak of.
We can look at what recently happened in the U.S. and the implementation of open banking, because the technology is ubiquitous. There's availability for a lot of options out there. We as Canadians, under the right regulations, can select what's best for us. Introducing legislation that opens up access to consumer information, giving the consumer the power to share this account information with providers who are properly regulated like us, definitely opens up the door for more competition, and, as we know, when competition enters, the consumer is typically the biggest beneficiary of these situations.