Ms Dara Deering:

Yes. For example, in terms of card payments, 40% of all our debit card transactions now are contactless. People are also using digital wallets. Reference was made at a previous meeting of this committee to contactless payments being only possible up to €30. For digital wallet, via Apple Pay or Fitbit Pay, there is no limit because it is a more secure system. Currently, approximately 6% of all our transactions are through the mobile wallet. Consumers of all ages are dealing more in an electronic way and cash, in terms of ATM transactions, has reduced considerably.