John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

Very good. It is interesting to hear that because Deputy Tóibín asked about the small builders and the commentary we hear is probably from those who have been refused. It is encouraging that €23 million was drawn down across 112 applications and that the fund is oversubscribed. That is a fair indication of potential economic activity. That is a good thing.

I ask the witnesses to comment on digital banking capabilities. How far are they going with digital banking? Will they match Revolut or N26 or have they plans in that direction?