I would say no, actually. The mobile technology is more secure. It is akin to the tap technology, so it uses the EMV card technology. It's quite a layered security. I also mentioned tokenization. What's actually stored on the phones is a token, not the actual card number. It leverages the tap technology, which is quite secure. We have almost eliminated fraud in the Interac debit business. A lot of that has to do with chip and PIN. The residual, which is really at one basis point—it's as low as it could possibly be—stems from exploits in the U.S., where there are still terminals with a magnetic stripe, but effectively, in Canada, that technology is extremely secure.
On April 8th, 2019. See this statement in context.