It's obviously important for the recommendations to be unfettered and independent, and based on the evidence and independent experts, if they're used. The bureau undertook a financial technology study when I was commissioner. We made recommendations to Finance Canada on how to introduce more financial technology services to help with competition. That is moving through the process, and hopefully, when there's more competition in financial technology, you may see activity in the credit card side as well.
On September 26th, 2022. See this statement in context.