Say I belong to a credit union, and currently I'm paying a dollar but they're only paying 20¢ for each electronic fund transfer that I send. Even if you lower it for them to 15¢ or 10¢—whatever that number is—that might not mean it's going to make any difference for me or Canadians in general. They're going to continue to charge whatever they want.
On December 9th, 2024. See this statement in context.