Ms MaryRose McGovern:

I am not aware of any significant trend in complaints of that nature. I understand the point made by Senator Buttimer. In the world of investments, they often talk about the concept of diversification. I was personally very pleased recently when I was in a supermarket and I had diversified to the point where I had some cash in my pocket. It was in the news that there was a difficulty with Opayo. Nobody who was trying to pay by card could purchase products in the supermarket or anywhere across the city that evening. I am all for diversification in having the ability to use cash but there is no doubt but that the speed and ability to transact using cashless methods is desirable to the public and that is where it is driving forward.