Finance committee  I certainly hope so.

Finance committee  I'm happy to. Thank you for the question. There are several benefits. I'll just highlight a few. Number one is access to affordable credit and capital. We saw this in many other jurisdictions during the COVID pandemic. The smallest small businesses were able to use non-banks to access credit faster and more efficiently than through larger banks.

Finance committee  Thank you very much. Hopefully you can hear me clearly. I appreciate the opportunity to appear today on behalf of the Financial Data and Technology Association of North America, or FDATA. We are the leading trade association advocating for consumer-permissioned access to financial data in both Canada and the U.S.