As we discussed in committee, there are other alternatives to e-transfer. If we exclude credit cards from electronic payments, I believe e-transfer is about 10% when we look at debit, electronic funds transfer and e-transfer. The 230 participants see real value in e-transfer so they use e-transfer.
To your other question on legacy technology, e-transfer was introduced in 2003—21 years ago. With older systems, there is what we call “technical debt”, which is due to older infrastructure. One great opportunity for all of us with real-time rail is to move to new technology infrastructure. That's with e-transfer as well. Then we'll be able to leverage, in consultation with the Bank of Canada, new technologies, like the public cloud and AI, to increase efficiency and make e-transfer an even more valuable platform for Canadians to use for the next 21 years.