Anthony Miller

And that's something that we think we can and should be able to get right.

And what it will do is just takes, I suppose, investment, time and effort to see what's the right way to deliver that service proposition in the community.

And what people want is they want to see this transition between something that's person to person,

Something that might be virtual, so over the call centre, or something that might be digital and online.

And so how do we package that three ways of servicing the customer and get that right in all the areas and all the markets that we want to participate in?

Well, I think that's really a decision or a responsibility or something that I think falls to regulator.

Yeah, of course.

Well, certainly, I mean, some of the stats that I've seen and have shared with me by the regulators, you know,

close to half of cash payments have some connection or causation or correlation with criminal activity or tax avoidance.

So therefore, that is a big problem for Australia.

But there is rules and there are disciplines and there are regulations we follow, which hopefully help mitigate some of those risks.

The fact is, is that the community still wants to use cash.

And so therefore, that's part of our social responsibility.

Social function is to store cash and then give people cash when they need it.

What I would say is the cash transit and storage industry has to fundamentally change because it's premised on a model where you had most of what people did was with cash.

Now, less than 7% of payments are via cash.

And so, therefore, that economic model has to change.

And that's what we're also working on as an industry is how do we make that more efficient?

An enormous number of attacks.

That's the entire banking industry.