I do. The fee schedule, which is not transparent, is tilted heavily in favour of the incumbents. Just because of the number of transactions that they do, it's much cheaper for them to do it. Fees often drive innovation—or lack of—and they drive the strategy an innovator can actually take because it's very difficult to innovate when you can't compete on cost. If you can't compete on cost, it's almost impossible to drive anything new.
Access is another issue, but I think we have to figure out how to force real-time rail faster. Real-time rail will actually bring innovation into this space, assuming that it gives better access to others. Payments Canada is another area that has to be looked at and talked about, but certainly, real-time rail and consumer-led banking together, with a system to monitor and review fraud, has to be all integrated on top.