The Greens support reducing compliance costs for businesses. We know—and I'm taking this from the Ministry of Business, Innovation and Employment (MBIE) March 2021 regulatory impact statement—that our payment systems are not fully working for consumers and merchants. Merchants end up paying a disproportionate cost of retail payment systems, which end up being passed on to the consumers, and for too long, we've relied on voluntary industry initiatives to address these issues, without meaningful outcomes.