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… are seeing that Canadians' payments preferences can be impacted by available payment options. For example, contactless payments. While these are trends that we're seeing … what are the key highlights of that report? Let's see if actually we see the same in Canada or not. Kate Frankish:  …

… as a credit card holder. That kind of frustrates. Sue: That actually brings up my biggest pet peeve, which has I think … from a business perspective, but as a consumer, you'd actually, if you enable PayPal One Touch, you don't have to … have a small business or... So I think open banking is the opportunity to create a platform. Platformification. It's …