The issue that this bill resolves is that the fees that sit behind them are simply too high. This has been a problem for a while now, but COVID-19 has accelerated the reason for us to have to put this bill to the House and put it forward. COVID-19 changed the way that we spend our money, and online and contactless transactions are being used more. These payment methods currently, again, have higher fees, and they put additional pressure on businesses who then pass it on to the consumers.