Not always. I won't outline all of the behavioural models, but I will say—noting that 99.9% of transactions flow through, and that's just indicative of our volume—that when a transaction actually gets blocked, it is a known fraudulent transaction. There are certain vectors and information we have where certain transactions are known, usually through information sharing that we actively participate in between Interac and the financial institutions, both sending and receiving. Sometimes that happens with the RCMP and law enforcement as well. It's that reciprocal sharing of information that is really critical to allowing us to block known fraudulent transactions. In the cases of the blocks, the customers are not impacted.
On April 8th, 2019. See this statement in context.