Absolutely.
I mentioned this in the note and in our recommendations. To enable competition is to look at the hurdles that stop companies like ours from offering competitive solutions in the market. Definitely, assessing how easy it is to access the accounts....
Look at what the consumer protection bureau in the U.S. did. They looked at how a company, regulated with the right bodies within the country, can get access to this information and how difficult it is to get access to this information. To be able to move the funds from one account to the other is definitely one of the aspects to look at. Looking at how other people did it usually helps as well.
Look at the examples in other countries where they opened the door for competition. That always improves consumers' lives. That's definitely the other venue that we could look at.