We've done it more on an aggregate level, but we can transfer it down to the specific consumer. I can cite my own personal example.
On aggregates, just on the e-transfer fees, if it becomes a free-for-all for all Canadians and with reduced fees for the businesses that use Interac, we project at least $1 billion in the first year to come back into Canadian pockets. If you add to it the fees, for example, for wire transfers, if you have a larger cap.... For example, in the U.K., FPS enables businesses to move around up to a million pounds within their systems, versus the limits that we have with Interac. These wire fees, at $10 to $20 per wire, add up significantly, so you can at least double that number to go up to $2 billion, $2.5 billion, and even more.
There's a third venue that comes in, which is international money transfers. It's a bit of a tricky area, so it would take longer to explain.
If you look at the situation here in Canada, we have international companies like Wise that operate in Canada and offer very competitive international money transfers. That also could double the total savings for the consumers that way.
In short, an aggregate is about $1 billion annually for just transfer fees. As this enables more growth, within five years you could see this go up to $5 billion to $10 billion easily, given the total population of Canada.