Mr. Niall Cody:

This will provide a platform for other agencies to do things differently and will also give real-time information. Part of the problem with means testing is that it is historical information. It often relates to income from two years ago. One of the things we are really interested in exploring is the idea that if a person is going for mortgage approval, he or she would be able to give the bank access to up-to-date data there and then.