The legacy platform's been there for 13 years. The improvements we've done from the colleague or a customer side of things has been limited. I joke when it says your Internet Explorer options needs to be 5.5 and above. That gives you some idea of how often we update the site.

For customers and colleagues, there's a good length of engagement we've had with them to make sure that they are fully immersed in what we're doing.

The reduction in operational impacts improves customer journeys. We have got a whole emphasis that the organization works for, of bringing in more digital experience to customers, as most probably the industry has as well.

In the first two years, there were several issues with stability. In particular, there were card numbers that were not always visible. However, these issues disappeared around 2014 when CA decided to get more resources to assist them with system management.

It is all within our contractual SLA. Anything that we had, has been a blip. How that has been handled has been brilliant.

We've had a lot of attention on any small bits that we had to report in. We've been hand-held throughout. We've had regular meetings, one to ones. It's all been great.

We are in the process of collaborating with CA at the moment on a proof of concept for further developing our syndication in the long term to further enhance the customer experience.

No. So, we haven't had materially any downtime. In its current state it's quite, sort of, basic. I don't think it's sort of fraught with uptime, downtime issues. We haven't had a lot of issues with it.

It's probably more so the peripherals around the outside, like accessing user interfaces, those sorts of things. But the actual transaction platform, no.

I'm not as close to this part as my other colleagues, so I sort of sit in the business of managing the P&L and then you've others who look after the operational side of this. However I have to say that not once can I recall stability concerns since we've been on board with CA.

There were no stability issues, the SLA uptime percentage has never dropped below 99%.

It's quite stable. No solution is going to be 100% up, but in terms of what we've seen, we've been quite happy.

I think stability-wise, we've not really had any issues in terms of stability.

Flexibility, yes. User, as in more user confederation options. These are the things, which we've been talking about, to try and see how these things can move.

So basically usability and flexibility.

I'd say it's been consistently stable, very minimal downtime, absolutely. We've been really happy with that.

I don't have any issues with stability.

They quickly respond to me, whenever I need help. It's not a show stopper for me, per se, but currently I know there's an issue with an IP address change that my colleagues in Manila can't access their website. They've been using it for five years though. But it's a conversation between the IP and the technology head in Manila to explain why their IPs has changed.

It's very stable. I know in the beginning when moving from static password to soft OTP there were some bugs. But that's normal. With every new solution, you have to tweak.

That's one of the things in the contract is the SLAs and they ticked the box every time. So I have no concerns around that whatsoever. They're spot on.

We have not had any stability issues yet.

No issues with stability.

We have not had stability issues.

We did not encounter any issues with stability.