Yes, absolutely. We really want to be able to offer lower costs to our businesses. We've asked businesses what matters to them. This is obviously high on the list.
Again, the amounts we are discussing in this hearing are very small. As I mentioned, we're talking $10 to $17 per business a year. We wonder about the ways we can reduce costs by thousands of dollars a year to make a meaningful structural change. One way we see we can do that is by offering the ability to get off card rails entirely and to switch to bank-based payment rails.
We have been working on this for the past five or so years, and we rolled out a product called "instant bank payments" in the U.S. last year. I think this is going to be much cheaper over time, structurally. It's an early product. It's U.S.-only at the moment.
We're iterating and learning, but I hope we'll be able to bring this to Canada and to other markets in the years ahead and to offer very meaningful cost savings to businesses.