One in five New Zealanders faces digital exclusion—that's extremely high—for one reason or another. It can be geographical, it can be accessibility issues, it can also be socio-economic, and it can be because of the changing world, I guess. Particularly people in the disability sector, people who have disabilities, are some of the hardest-hit communities—also, the elderly community. Elderly New Zealanders, particularly in the rural communities, are excluded as Government and services withdraw from their small towns in New Zealand. They cannot even activate their EFTPOS or credit cards or do their transactions, due to the lack of connectivity or, worse, the tyranny of distance to their nearest bank.