Dr. Colin Hunt:

On the Senator's point on access to branches, the proposal was all about maintaining access to branches while removing cash services from them. The physical footprint of the organisation was to remain unchanged. Now, not only is the physical footprint unchanged but the services are also unchanged. As I said, that proposal is now off the agenda.

In terms of digital transactions, there has been an ongoing move to improve or broaden the range of products and services that are available on our mobile applications and online.

There is very little you cannot do now on our mobile applications. If you look at what we are seeing in customer numbers, on an average day, we have something in the order of 2 million interactions with our customers on the mobile application. We have 35,000 physical visits to our branches - I think 35,000 was the last number I saw. The key message we got was that there is a significant cohort of customers that want to have continuing access to cash. We heard it and we took the action that was required, which was to reverse the earlier decision. I am going to ask Mr. O'Keefe to come in on the vulnerable customers dimension, which is what Senator Higgins referred to on equality issues.