Finance committee  Wait until things get started before you say that.

Finance committee  Thank you, Mr. Chair. It is indeed a delight to be back. It's interesting to be on this side of the table. Hello to former colleagues, it's great to be here. Welcome, everyone. My name is Martha Hall Findlay. I am the chief legal officer for EnStream, a joint venture establi

Finance committee  Am I done?

Finance committee  I'll look forward to any questions that anybody has for me.

Finance committee  If I can jump in with just a couple things, I've been in the wireless business since very close to its beginnings, when a cellphone was this big, and there were maybe 10 people in the country who had them. They're everywhere now, among all ages. In a relatively short period of ti

Finance committee  Oh, they're pretty exciting things.

Finance committee  There are huge cost savings. Imagine when you are issuing a credit card or gift card, or you walk into a grocery store and there's a whole row of gift cards that you can buy, when you can deliver those over the air in soft version.... There's the whole cost of producing plastic c

Finance committee  It's a great question. What we're seeing already in the market is that consumers at least want to have the choice. If they know that a certain retailer can offer them a tailored discount, for example, in a lot of cases they like that. A lot of consumers would prefer not to have t

Finance committee  If you don't mind, I will answer in English, because it has been quite a while since I've had the opportunity to speak French frequently, and I have more trouble with the technical terms in French. The question is in terms of competition and whether what we provide is openly ava

Finance committee  The technology that we provide is already in use by Bell and Telus. We're in pilot with a couple of the banks. We hope to have that launched very soon. I think you'll find in Canada that there will be a lot of announcements over the next number of months. We're all very excited a

Finance committee  It can't be free because we would lose money. We have structured it, so far with all of the carriers that have come to us, for the most part on cost recovery. I mean, we're still in stages of trying to figure out what those are because of some of the challenges that occur in depl

Finance committee  The first response is that whether it's RBC's solution, where the customer data is in their cloud behind their firewall, or the other NFC solutions, where the information resides on the SIM card, all of that information has been encrypted, de-encrypted, re-encrypted. The level of

Finance committee  Just to explain, RBC's solution is unique. It's the first deployment that's in the cloud. CIBC has deployed with both Rogers and Telus, so I think technically we have three deployments now. But those two, the credential information, the credit card information, encrypted and all,

Finance committee  Our history in this country has been of getting the value of standardization and ubiquity. We were world leaders in embracing debit. We're world leaders in embracing the use of the Internet even. There are a number of players in the business now. There's no barrier to entry, othe

Finance committee  I don't know that mobile payments can solve a lot of the other challenges that some of those people might have in terms of their disabilities or—