I'll point to the easiest way to put this forward. Security is always a risk, but if you analyze where security breaches have happened, they are rarely actual system breaches. They are more frequently behavioural. This is where Mr. Jenkin made the point very specifically.
Very simply, if you ask ChatGPT or Google if there have been any security breaches for FPS or UPI—and you're talking about systems that have tens of millions of users—the answer is no. Security, especially in the financial space, is well documented. As long as everybody abides by the normal regulations that come forward, that would not be the number one concern for innovation. I'm not saying to let the innovators run free, absolutely not. This is why we have bodies in the government that regulate how the systems can operate, but it's not to the extent that the banks put forward.