Mr. John O'Connell:

If it is properly managed, AI can complement what is happening. Yes, jobs will change but jobs are changing. It is a question of how they change. That has been our argument all along in terms of the financial services sector, and particularly digitisation. It is not that we are opposed to change; it is how change comes about. We saw communities being left behind due to branch closures. People pushed back when they were told that cash was not wanted in their communities. It is a question of how the change comes about. This is no different except that it is an extremely fast-paced change. It seems to be like the wild west in that there are no rules. We need to get to a situation where we have a sheriff in town and it is regulated properly to protect workers and consumers.