As you know, when you develop new financial technologies and want to offer them to consumers, you have to know whether there will be a gain for them, particularly in terms of price.
To have that information, we need to know the prevailing prices in order to adjust and stimulate competition. That's the idea. However, this modulation is not public.
As for the modulation of Interac fees, you said earlier that you were the decision-making authority on the matter, it seems to me. At the end of the day, your pricing system is pretty opaque.
How do you expect us to stimulate healthy competition when potential new competitors can't know the fees set by the company that has a monopoly or a near monopoly?