This applies to both of you. Do you have member institutions that do a poor job of living up to your standards? I know that in the case of Payments Canada membership is statutorily required for some organizations. Interac is probably the same thing. Do you have lagger organizations you're always chasing that are not keeping up with your standards? You don't have to identify them, but do they exist?
On April 8th, 2019. See this statement in context.