Mr. Colm Kincaid:

We have seen a significant improvement in the digital capacity for payments for consumers in Ireland. The Deputy is correct that the instant payments element, which is not mandatory as things stand under the framework but is being made mandatory by the legislation, is not a feature that has been implemented by Irish banks in this system. That is the truth. However, I do not think it would be correct either to say that we have not seen significant digital functionality being provided for consumers in Ireland-----