Public Safety committee  Yes, and our respective resiliency programs.... I can speak only for Interac, but we're at 99.9% uptime. You can achieve that uptime only if you have a resiliency strategy that includes very robust infrastructure to deliver on that, even during times of degradation of service or

Public Safety committee  You know, the acronym's been around for a decade or so now, so—

Public Safety committee  I spoke to this a bit earlier. I can only speak to the closed-loop network that we have, but we really have a layered security strategy in fraud monitoring and a robust security and risk strategy. It's multiple different controls and security standards that we have on our network

Public Safety committee  I can share from an Interac perspective that we were the first to market with Apple in putting the Interac debit card in the Apple wallet. That was the TSP technology that we spoke about earlier. We also have the same Interac debit card in the Google wallet, in the Samsung wallet

Public Safety committee  It's akin to direct use of your Interac debit card.

Public Safety committee  Thank you for having us.

Public Safety committee  We do. We have a very robust IT security team, which uses a number of tools that allow us to proactively scan the system for vulnerabilities and manage detection and response capabilities as well. We actively scan our systems on a daily basis and keep quite current.

Public Safety committee  We have a very large IT security team. We don't call them “white hat hackers”. We call them IT security. We have a large IT security team that's constantly testing—we call it penetration testing—and scanning the system. I think it's fundamentally the same. “Red team” and “white h

Public Safety committee  We see two vulnerabilities that I spoke to earlier in my remarks. One is a lack of ability of government, RCMP and law enforcement to openly share information. The criminal activity changes quickly. It is a real-time fraudulent environment, so the ability to access that informati

Public Safety committee  I think in Europe there are some restrictions, but, yes, there are certainly ATMs that you could withdraw money from in Paris.

Public Safety committee  No, that would violate sanctions rules.

Public Safety committee  No. We would absolutely adhere to all sanctions rules in Canada.

Public Safety committee  Yes. Absolutely. We're innovating new payment transmission technologies every day. The cheque continues, I would say, mostly in the small business space and a little bit in the retail consumer space, but not as much. There's really no need for a paper cheque anymore.

Public Safety committee  They're definitely not part of our network. I'd say the financial ecosystem in Canada has gotten quite mature and robust in our sanctions screening and in understanding transfer agencies and those types of things. We definitely secure the network. We do very few transactions out

Public Safety committee  We don't have an obligation to disclose among the various financial institutions. That's not a legislative requirement, but we do have trusted channels through which we do share some of that information for the betterment, safety and soundness of the ecosystem. We will share info