Thanks, Chair.
Thanks to all of the witnesses for being here today for this important study.
Mr. Jenkin, I'll start with you.
I want to ask about market dominance in the e-transfer space. I think that's what this is all about. It's about looking at competition in the current landscape and the structure of the market that seems to be limiting some players that would disrupt that market, and probably to the benefit of the consumers.
It seems what we've been hearing is that some of the smaller players in this space that are innovating and disrupting, or trying to disrupt, are being blocked. It seems like the concentration of power is pretty significant so that market dominance is present.
From your perspective, Mr. Jenkin, what are the signs that market dominance is the problem here? Can you give us some examples of that?