That is a good question, and I am going to respond in English, because this is getting a bit more technical.
As you know, around the world, a lot of this is in English, so if I'm talking cryptocurrencies—in French I think it's cryptomonnaie—we're seeing a couple of things. Yes, it is faster. The speed of transactions is certainly faster.
If you look at things like romance scams, for example, yes, money laundering tends to be proceeds of crime. However, when it comes to romance scams, the proceeds are already in the financial system. This is the use of social media and the use of different ways of either anonymizing or representing yourself falsely and using social media to take advantage of people: They're sending money to you and you're using that to launder it. The crime is perhaps the false representation of yourself as opposed to committing a physical crime of robbing a bank and then trying to launder that money.
You are correct. It is quicker, and it can bypass.... If you're using cryptocurrency-type stuff, you can bypass the financial system itself to do that.
We're also seeing that the speeds at which transactions can happen are increasing. As for the types of crimes, with the use of social media and those types of things to steal identities and represent yourself falsely—such as putting false representations on Facebook and those kinds of things to “friend” people and take advantage of people—we're seeing more of that. Certainly, the ability to use the Internet and open source to identify potential victims is something that criminals are taking advantage of as well.
Then there are the other areas where you're looking at ransomware, for example, in which a fake email might be sent in or they're taking over somebody's computer and requesting payment from them to get back their access to their computer. We have seen cases of ransomware internationally. That seems to be a growing field right now in terms of criminals being able to take over and request payment. More and more, they'll request payment in cryptocurrency as opposed to cash or an email transfer.
Yes, the ability to use computers is increasing the capacity.