We can also send money anywhere in the world electronically. In these areas, I am, glad to say that Westpac has been at the forefront of bringing them to Fiji. On the industry wide front, the Reserve Bank has recently launched FIJICLEAR which is a real time automated payment system. This would improve efficiency in making and receiving payments.
FIJICLEAR also help safeguard financial stability. Customers using FIJICLEAR for payments will have their funds delivered the same day compared with 3 to 6 days required to clear cheques. I urge you all to use FIJICLEAR and you can discuss this further with your commercial bank. On competition, this obviously is harder to measure.