We do need cross-Government action, there's no question about that. I pay tribute to the Member and his huge interest in this, and he flags up an issue, a challenge, that we must meet in the future. I can say that groups across Welsh Government are already exploring the impact of technology and data on public service delivery. We obviously work with businesses.

I know the Cabinet Secretary is considering the creation of a FinTech task and finish group to look at the technologies surrounding financial and professional services, building on the digital action plan that lays out our own commitments to improving our own digital services, and we are working with the UK Government as well. We are actively engaged with the recently launched UK knowledge transfer networks for manufacturing initiative, which is aimed at realising—and you'll recognise the phrase, of course—the fourth industrial revolution, and that team is exploring ways to optimise the application of that programme to Wales.

There are other programmes that we have taken forward, but I can assure the Member that we know that the challenge is there and we intend to meet that challenge.